Integra Bank Corporation Reports 2007 Financial Results

-- Net Income and Earnings Per Share for 2007 Increase To $32.8
million and $1.66 -- increase of 67.8% and 49.5%, Respectively over
2006 Results
-- Net Interest Margin of 3.46% for 2007 Up 3 Basis Points from
2006 -- Net Interest Income Increases $10.9 Million or 13.3%
-- Non-interest Income Increases $4.0 million or 11.1% From 2006
-- Allowance to Total Loans Increases 3 Basis Points to 1.18% From
Third Quarter-Net Charge-offs Remain Low at 19 Basis Points for
the Year
-- Commercial Loan Growth Continues -- Up $75 Million or
20% Annualized from Third Quarter of 2007
-- Non-Performing Loans Increase to .98% of Total Loans in Fourth
Quarter, Yet Remain Below Peer Levels
EVANSVILLE, Ind., Jan. 22, 2008 (PRIME NEWSWIRE) -- Integra Bank Corporation
(Nasdaq:IBNK) today reported net income for 2007 of $32.8 million, an increase
of $13.3 million or 67.8% over 2006 results. Diluted earnings per share were
$1.66, compared to $1.11 for 2006, an increase of 49.5%. Returns on assets and
equity were 1.06% and 10.92% for 2007, as compared to 0.72% and 8.50% for 2006.

Comparisons between 2007 and 2006 were affected by a significant event in each
year. Financial results for 2007 were impacted by the second quarter acquisition
of Prairie Financial Corporation, a privately-held 15 year old community bank
with five offices in the Chicago metropolitan area. Financial results for 2006
were impacted by a fourth quarter charge-off and related provision for loan
losses of a $17.7 million lending relationship.

Financial results for 2007, compared to 2006, included increases in net-interest
income of $10.9 million and non-interest income of $4.0 million, as well as a
decrease in the provision for loan losses of $16.1 million, partially offset by
increases in non-interest expense of $11.2 million and tax expense of $6.6
million. The net interest margin increased 3 basis points to 3.46%. The
allowance to total loans was 1.18% at both December 31, 2007 and 2006, while the
net charge off ratio decreased from 1.32% to 0.19%. Non-performing assets
increased $15.8 million to $25.6 million, while the allowance to non-performing
loans decreased from 239% to 120%.

Returns on assets and equity were 0.94% and 9.50% for the fourth quarter of 2007
compared to 1.13% and 11.34% for the third quarter of 2007.

Fourth quarter 2007 results, as compared to third quarter 2007, included
increases in the provision for loan losses of $1.6 million and non-interest
expense of $0.5 million, partially offset by decreases in non-interest income of
$0.1 million and income taxes of $0.9 million. Net interest income was $24.7
million for both the third and fourth quarters of 2007, while the net interest
margin decreased 10 basis points to 3.42%. Commercial loans increased $75.4
million, or 19.9% annualized. This increase in loan volume offset the decline in
net interest margin. Non-interest income was $10.3 million for the fourth
quarter, compared to $10.4 million for the preceding quarter. The allowance to
total loans increased 3 basis points to 1.18% while net charge offs increased 12
basis points to 0.25%. Non-performing assets increased $5.5 million, or 27.5%,
while the allowance to non-performing loans decreased from 164% to 120%.

"During 2007, our industry saw the quick beginning and rapid acceleration of a
credit cycle that has produced dramatic declines in housing starts, near record
levels of home inventory, a decline in home prices and the highest mortgage
delinquency rates in 20 years," stated Mike Vea, Chairman, President and CEO.
"It resulted in higher levels of non-performing loans and net charge-offs and a
35% decline in the S&P Bank Index. Given that environment, we were pleased that
we were able to maintain continued solid commercial loan growth, stable
revenues, and low net charge-offs during the fourth quarter, even though our
overall results fell short of our expectations. Our fourth quarter results were
negatively impacted by increases in our non-performing loans, reflecting the
slowdown among residential builders, as well as the short term impact of
interest rate cuts. We believe we are well positioned going into 2008. We
continue to improve our earning asset mix, grow our customer base and cross sell
new products to our customers," added Vea.

Commercial and Direct Consumer Loan Growth Continues

Higher yielding commercial loan average balances increased $75.4 million during
the fourth quarter, as compared to the preceding quarter, a 19.9% annualized
growth rate. This growth came in the areas of commercial real estate and
Cincinnati commercial. Commercial loan average balances were 53.2% of earning
assets for the fourth quarter of 2007, up from 52.1% for the third quarter of
2007, and 41.7% for the fourth quarter of 2006.

Direct consumer loan average balances increased $4.6 million in the fourth
quarter, or 11.3% annualized. The increases in commercial and direct consumer
loans more than offset planned declines of $5.5 million in indirect consumer
loans and residential mortgage loans of $18.3 million. Both the indirect and
residential mortgage reductions were in line with the company's strategy to
improve its earning asset mix and have been consistent throughout 2007.

"The continued success of our commercial real estate and commercial banking
teams, coupled with strong direct consumer lending growth in our community
markets, were the primary contributors to the improvement in our earning asset
mix and overall earnings," stated Vea. "We are pleased with the returns on our
continued investments in commercial banking and are confident that the new
commercial bankers that we added during the second half of 2007 will help
continue our momentum in 2008," Vea added.

Net Interest Margin and Net Interest Income

The net interest margin was 3.46% for 2007, a three basis point improvement over
2006. An increase in the yield on earning assets of 0.51% to 7.00%, was
partially offset by an increase in the cost of interest bearing liabilities of
0.50%. Net interest income increased $10.9 million, or 13.3%, to $93.2 million.
Average loan balances increased $346 million, due primarily to strong commercial
growth coupled with the loans added by the Prairie acquisition. This growth was
funded primarily by higher time deposit and transaction account balances.

The net interest margin for the fourth quarter of 2007 was 3.42%, compared to
3.52% for the third quarter of 2007, while net interest income was $24.7 million
for both 2007 quarters. With the current rate environment, the company's $1.4
billion of floating rate loans repriced more quickly than floating rate
liabilities, resulting in a reduction to net interest income. Higher yielding
commercial loan balances offset the decrease in margin, resulting in stable net
interest income.

Non-Interest Income

Non-interest income was $39.8 million for 2007, an increase of $4.0 million, or
11.1% from 2006. Non-interest income resulting from the Prairie acquisition was
$1.1 million of this increase. Service charges on deposit accounts increased
$1.4 million, or 7.6%, while debit card income increased $1.1 million, or 32.7%.
Annuity income increased $0.3 million or 38.3%. Non-interest income also
included a $0.6 million gain on the first quarter 2007 sale of the company's
mortgage servicing rights portfolio.

Non-interest income was $10.3 million for the fourth quarter, compared to $10.4
million for the preceding quarter. Trading gains, mark-to-market adjustments and
an increase in debit card income offset slight declines in deposit service
charges, annuity income and securities gains.

Non-Interest Expense

Non-interest expense was $87.0 million for 2007, an increase of $11.2 million,
or 14.7% from 2006. Higher expenses resulting from the Prairie acquisition
contributed $4.9 million in direct costs and merger-related expenses. Personnel
expense increased $5.9 million, or 14.7%, reflecting the addition of employees
in the Chicago region, and other investments made within the commercial banking
line of business. Occupancy expense increased $1.2 million, or 15.3%, due to the
addition of the Chicago branches from the Prairie acquisition and the opening of
a new banking center in the Greater Cincinnati metropolitan area.

Fourth quarter 2007 non-interest expense was $22.8 million, a $0.5 million, or
2.4% increase from the third quarter of 2007. Personnel expenses increased by
$0.8 million, primarily due to higher health insurance costs and investments in
personnel for the commercial banking line of business.

Credit Quality

The provision for loan losses was $4.2 million for 2007, compared to $20.3
million for 2006. Net charge-offs for 2007 totaled $4.1 million, compared to
$23.5 million in 2006. Net charge-offs and the provision for loan losses for
2006 reflected the write-off of a single $17.7 million lending relationship.

The provision for loan losses was $2.3 million for the fourth quarter of 2007,
compared to $0.7 million for the third quarter. Net charge-offs totaled $1.4
million, resulting in a net charge-off ratio of 0.25% for the fourth quarter,
compared to $0.7 million or 0.13% for the third quarter. The year to date net
charge-off ratio was 0.19%.

The allowance for loan losses at December 31, 2007, was 120% of non-performing
and 1.18% of total loans, compared to 164% and 1.15% at September 30, 2007, and
239% and 1.18% at December 31, 2006. The ratio of non-performing loans to total
loans at December 31, 2007, was 0.98%, compared to 0.70% at September 30, 2007,
and 0.49% at December 31, 2006. Non-performing loans in the company's Chicago
region represented approximately 60% of the company's total non-performing loans
at December 31, 2007. Non-performing loans increased $6.6 million from September
30, 2007, while other real estate owned declined $1.1 million.

"Our loan portfolio is not immune to the challenges facing our industry," stated
Mike Vea, Chairman, President and CEO. "We experienced an increase in
non-performing assets due primarily to our residential builder portfolio, which
is located predominately in our Chicago region. Our levels of non-performing
assets remain below peer levels, which we expect to continue, largely due to the
economic conditions of our footprint, which does not experience the highs and
lows that many other regions of the country experience," added Vea.

Income Taxes

The effective tax rate for the fourth quarter of 2007 was 20.0%, while the rate
for the year was 21.6%, and the rate for the third quarter was 24.0%. Income tax
expense for 2007 included receipt of a federal income tax refund of $0.9
million. The effective rate for the year, exclusive of that refund, would have
been 23.9%.

Capital

Integra's capital ratios remain strong, are within the regulatory requirements
for being well capitalized as well as within Integra's internal policy
guidelines, and were basically unchanged from September 30, 2007.

Definitive Agreement to Acquire Peoples Community Bancorp

On September 13, 2007, Integra announced that it had entered into a definitive
agreement to acquire Peoples Community Bancorp, Inc. of Cincinnati, Ohio
("Peoples"). Peoples is the holding company for Peoples Community Bank, a
federally chartered stock savings bank, with 19 offices and 24 ATMs in the
Greater Cincinnati metropolitan area. Under the terms of the merger agreement,
which has been approved by both companies' boards of directors, each share of
Peoples stock will be converted into the right to receive 0.6175 shares of
Integra common stock and $6.30 in cash. Based upon Integra's closing price on
September 12, 2007 of $18.45 per share, the merger consideration is equivalent
to $17.69 per share of Peoples common stock or $85.6 million in total. Integra
will also pay approximately $0.7 million for Peoples stock options.

The transaction remains pending Peoples' shareholder approval, regulatory
approvals and other customary closing conditions. Based upon financial data for
Integra and Peoples as of September 30, 2007, the combined company will have
approximately $4.2 billion in total assets, $3.1 billion in deposits and $3.0
billion in loans.

Conference Call

Integra executive management will hold a conference call to discuss the contents
of this news release, business highlights and its financial outlook on Tuesday,
January 22, 2008, at 8:00 a.m. CST. The telephone number for the conference call
is (877) 419-6592, confirmation code 7714686. The conference call will also be
available by webcast at http://www.integrabank.com/webcasts.

About Integra

Headquartered in Evansville, Indiana, Integra Bank Corporation is the parent of
Integra Bank N.A. As of December 31, 2007, Integra has $3.4 billion in total
assets and operates 80 banking centers and 134 ATMs at locations in Indiana,
Kentucky, Illinois and Ohio. Moody's Investors Service has assigned an
investment grade rating of A3 for Integra Bank's long-term deposits. Integra
Bank Corporation's Corporate Governance Quotient (CGQ) rating as of January 1,
2008, has IBNK outperforming 98.7% of the companies in the Russell 3000 Index
and 98.3% of the companies in the banking group. This rating is updated monthly
by Institutional Shareholder Services and measures public companies' corporate
governance performance to a set of corporate governance factors that reflects
the current regulatory environment. Integra Bank Corporation's common stock is
listed on the Nasdaq Global Market under the symbol IBNK. Additional information
may be found at Integra's web site, www.integrabank.com.

The Integra Bank Corporation logo is available at
http://www.primenewswire.com/newsroom/prs/?pkgid=3858

Safe Harbor

Certain statements made in this release may constitute "forward-looking
statements" within the meaning of the Private Securities Litigation Reform Act
of 1995. When used in this release, the words "may," "will," "should," "would,"
"anticipate," "expect," "plan," "believe," "intend," and similar expressions
identify forward-looking statements. Such forward-looking statements involve
known and unknown risks, uncertainties and other factors which may cause the
actual results, performance or achievements to be materially different from the
results, performance or achievements expressed or implied by such
forward-looking statements. Factors that might cause such a difference include,
but are not limited to: (1) general economic conditions, either national or in
the markets in which Integra does business, are less favorable than expected;
(2) changes in the interest rate environment that reduce net interest margin;
(3) charge-offs and loan loss provisions; (4) the ability of Integra to maintain
required capital levels and adequate sources of funding and liquidity; (5)
changes and trends in capital markets; (6) competitive pressures among
depository institutions increase significantly; (7) effects of critical
accounting policies and judgments; (8) changes in accounting policies or
procedures as may be required by the Financial Accounting Standards Board or
other regulatory agencies; (9) legislative or regulatory changes or actions, or
significant litigation that adversely affect Integra or the business in which
Integra is engaged; (10) ability to attract and retain key personnel; (11)
difficulties in combining the operations of Peoples; (12) ability to secure
confidential information through the use of computer systems and
telecommunications network; and (13) the impact of reputational risk created by
these developments on such matters as business generation and retention, funding
and liquidity, and other factors described in our periodic reports filed with
the SEC. We undertake no obligation to revise or update these risks,
uncertainties and other factors except as may be set forth in our periodic
reports.

Summary Operating Results Data

Here is a summary of Integra's fourth quarter 2007 operating results:

Net income of $7.9 million for fourth quarter and $32.8 million for
the year ended December 31, 2007
-- Compared with $7.4 million, $8.3 million and $9.2 million for the
first, second and third quarters of 2007
-- Compared with $(2.6) million for fourth quarter 2006
-- Compared with $19.5 million for the year 2006

Diluted net income per share of $0.38 for fourth quarter and
$1.66 for the year ended December 31, 2007
-- Compared with $0.41, $0.41, and $0.45 for the first, second and
third quarters 2007
-- Compared with $(0.15) for fourth quarter 2006
-- Compared with $1.11 for the year 2006

Return on assets of 0.94% for fourth quarter and 1.06% for year 2007
-- Compared with 1.13% for third quarter 2007
-- Compared with (0.38)% for fourth quarter 2006
-- Compared with 0.72% for year 2006

Return on equity of 9.50% for fourth quarter and 10.92% for year 2007
-- Compared with 11.34% for third quarter 2007
-- Compared with (4.26)% for fourth quarter 2006
-- Compared with 8.50% for year 2006

Net interest margin of 3.42% for fourth quarter and 3.46% for
year 2007
-- Compared with 3.52% for third quarter 2007
-- Compared with 3.41% for fourth quarter 2006
-- Compared with 3.43% for year 2006

Allowance for loan losses of $27.3 million or 1.18% of loans at
December 31, 2007
-- Compared with $26.4 million or 1.15% at September 30, 2007
-- Compared with $21.2 million or 1.18% at December 31, 2006
-- Equaled 120.3% of non-performing loans at December 31, 2007,
compared with 164.5% at September 30, 2007 and 239.0% at
December 31, 2006

Non-performing loans of $22.7 million or 0.98% of loans at
December 31, 2007
-- Compared with $16.1 million or 0.70% of loans at
September 30, 2007
-- Compared with $8.9 million or 0.49% at December 31, 2006

Annualized net charge-off rate of 0.25% for fourth quarter and 0.19%
for year 2007
-- Compared with 0.13% for third quarter 2007
-- Compared with 4.03 % for fourth quarter 2006
-- Compared with 1.32% for full year 2006
INTEGRA BANK CORPORATION
UNAUDITED CONSOLIDATED BALANCE SHEETS
(In thousands, except share data)

December 31, December 31,
ASSETS 2007 2006
------------------------------------------------------------------
Cash and due from banks $ 72,360 $ 65,400
Federal funds sold and
other short-term
investments 3,630 3,998
Loans held for sale
(at lower of cost or
market value) 5,928 1,764
Securities available for sale 582,499 614,718
Securities held for trading 53,782 --
Regulatory stock 29,179 24,410
Loans:
Commercial loans 1,604,785 1,018,930
Consumer loans 423,481 421,957
Mortgage loans 283,112 350,089
Less: Allowance for
loan losses (27,261) (21,155)
------------------------------------------------------------------
Net loans 2,284,117 1,769,821
Premises and equipment 50,552 46,157
Goodwill 123,050 44,491
Other intangible assets 11,652 6,832
Other assets 133,458 106,888
------------------------------------------------------------------
TOTAL ASSETS $ 3,350,207 $ 2,684,479
==================================================================

LIABILITIES
Deposits:
Non-interest-bearing demand $ 265,554 $ 252,851
Savings & interest checking 516,925 497,548
Money market 401,098 296,732
Certificates of deposit and
other time deposits 1,156,560 906,721
------------------------------------------------------------------
Total deposits 2,340,137 1,953,852
Short-term borrowings 272,270 217,518
Long-term borrowings 376,707 254,521
Other liabilities 33,093 23,114
-------------------------------------------------------------------
TOTAL LIABILITIES 3,022,207 2,449,005

SHAREHOLDERS' EQUITY
Preferred stock - 1,000
shares authorized - None
outstanding
Common stock - $1.00 stated
value - 29,000 shares
authorized 20,650 17,794
Additional paid-in capital 206,991 135,054
Retained earnings 107,001 88,355
Accumulated other
comprehensive income (loss) (6,642) (5,729)
------------------------------------------------------------------
TOTAL SHAREHOLDERS' EQUITY 328,000 235,474
------------------------------------------------------------------
TOTAL LIABILITIES AND
SHAREHOLDERS' EQUITY $ 3,350,207 $ 2,684,479
==================================================================

INTEGRA BANK CORPORATION
UNAUDITED CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except for per share data)

Three Months Ended
Dec. 31, Sept. 30, June 30, March 31, Dec. 31,
2007 2007 2007 2007 2006
---------------------------------------------------------------------
INTEREST INCOME
Interest and fees
on loans and leases $43,217 $43,586 $41,486 $32,130 $32,860
Interest and dividends
on securities
available for sale 7,313 7,294 7,495 7,289 7,521
Interest on securities
held for trading 364 -- -- -- --
Dividends on
regulatory stock 345 314 281 346 328
Interest on
loans held for sale 85 77 45 28 31
Interest on federal
funds sold and
other investments 60 56 60 49 62
---------------------------------------------------------------------
Total interest income 51,384 51,327 49,367 39,842 40,802

INTEREST EXPENSE
Interest on deposits 19,251 19,790 20,017 14,684 15,138
Interest on short-term
borrowings 2,501 2,648 2,264 2,018 2,147
Interest on long-term
borrowings 4,977 4,191 3,519 2,811 2,889
---------------------------------------------------------------------
Total interest expense 26,729 26,629 25,800 19,513 20,174
---------------------------------------------------------------------

NET INTEREST INCOME 24,655 24,698 23,567 20,329 20,628
Provision for
loan losses 2,280 723 455 735 18,091
---------------------------------------------------------------------
Net interest income
after provision for
loan losses 22,375 23,975 23,112 19,594 2,537

NON-INTEREST INCOME
---------------------------------------------------------------------
Service charges
on deposit accounts 5,283 5,408 5,408 4,218 4,842
Trust income 587 588 602 614 595
Debit card
income-interchange 1,284 1,136 1,064 895 954
Other service charges
and fees 1,039 1,286 1,133 1,204 939
Securities gains 8 219 56 166 589
Gain (Loss) on sale
of other assets 48 (5) 60 539 6
Other 2,015 1,755 1,608 1,579 1,518
---------------------------------------------------------------------
Total non-interest
income 10,264 10,387 9,931 9,215 9,443

NON-INTEREST EXPENSE
---------------------------------------------------------------------
Salaries and
employee benefits 12,104 11,319 11,693 10,765 9,564
Occupancy 2,461 2,474 2,388 2,107 2,143
Equipment 965 832 822 824 813
Professional fees 923 1,073 893 1,137 859
Communication
and transportation 1,466 1,490 1,303 1,171 1,218
Other 4,847 5,054 4,771 4,163 4,263
---------------------------------------------------------------------
Total
non-interest expense 22,766 22,242 21,870 20,167 18,860
---------------------------------------------------------------------
Income before
income taxes 9,873 12,120 11,173 8,642 (6,880)
Income taxes
expense (benefit) 1,970 2,914 2,840 1,286 (4,280)
---------------------------------------------------------------------
NET INCOME (LOSS) $ 7,903 $ 9,206 $ 8,333 $ 7,356 $(2,600)
---------------------------------------------------------------------

Earnings per share:
Basic $ 0.38 $ 0.45 $ 0.41 $ 0.42 $ (0.15)
Diluted 0.38 0.45 0.41 0.41 (0.15)

Weighted average
shares outstanding:
Basic 20,535 20,527 20,331 17,678 17,697
Diluted 20,542 20,545 20,407 17,786 17,864

INTEGRA BANK CORPORATION
UNAUDITED CONSOLIDATED STATEMENTS OF INCOME
(In thousands, except for per share data)

Three Months Ended Twelve Months Ended
December 31, December 31,
-------------------------------------------
2007 2006 2007 2006
---------------------------------------------------------------------
INTEREST INCOME
Interest and fees on loans
and leases $ 43,217 $ 32,860 $160,419 $125,504
Interest and dividends on
securities available for
sale 7,313 7,521 29,391 30,937
Interest on securities
held for trading 364 -- 364 --
Dividends on regulatory
stock 345 328 1,286 1,479
Interest on loans held for
sale 85 31 235 140
Interest on federal funds
sold and other
investments 60 62 225 333
---------------------------------------------------------------------
Total interest income 51,384 40,802 191,920 158,393

INTEREST EXPENSE
Interest on deposits 19,251 15,138 73,742 54,421
Interest on short-term
borrowings 2,501 2,147 9,431 8,574
Interest on long-term
borrowings 4,977 2,889 15,498 13,092
---------------------------------------------------------------------
Total interest expense 26,729 20,174 98,671 76,087
---------------------------------------------------------------------

NET INTEREST INCOME 24,655 20,628 93,249 82,306
Provision for loan losses 2,280 18,091 4,193 20,294
---------------------------------------------------------------------
Net interest income after
provision for loan losses 22,375 2,537 89,056 62,012

NON-INTEREST INCOME
---------------------------------------------------------------------
Service charges on deposit
accounts 5,283 4,842 20,317 18,879
Trust income 587 595 2,391 2,361
Debit card income-
interchange 1,284 954 4,379 3,301
Other service charges and
fees 1,039 939 4,662 4,155
Securities gains 8 589 449 577
Gain on sale of other
assets 48 6 642 93
Other 2,015 1,518 6,957 6,461
---------------------------------------------------------------------
Total non-interest income 10,264 9,443 39,797 35,827

NON-INTEREST EXPENSE
---------------------------------------------------------------------
Salaries and employee
benefits 12,104 9,564 45,881 39,990
Occupancy 2,461 2,143 9,430 8,182
Equipment 965 813 3,443 3,412
Professional fees 923 859 4,026 2,955
Communication and
transportation 1,466 1,218 5,430 4,933
Other 4,847 4,263 18,835 16,405
---------------------------------------------------------------------
Total non-interest expense 22,766 18,860 87,045 75,877
---------------------------------------------------------------------
Income before income taxes 9,873 (6,880) 41,808 21,962
Income taxes expense
(benefit) 1,970 (4,280) 9,010 2,415
---------------------------------------------------------------------
NET INCOME (LOSS) $ 7,903 $ (2,600) $ 32,798 $ 19,547
---------------------------------------------------------------------

Earnings per share:
Basic $ 0.38 $ (0.15) $ 1.66 $ 1.11
Diluted 0.38 (0.15) 1.66 1.11

Weighted average shares
outstanding:
Basic 20,535 17,697 19,778 17,546
Diluted 20,542 17,864 19,812 17,658

INTEGRA BANK CORPORATION
SUMMARY OF SELECTED CONSOLIDATED FINANCIAL DATA
(In thousands, except for per share data)

Dec. 31, Sept. 30, June 30, March 31, Dec. 31,
2007 2007 2007 2007 2006
---------- ---------- ---------- ---------- ----------

EARNINGS DATA
Net Interest
Income (tax-
equivalent) $ 25,436 $ 25,495 $ 24,366 $ 20,945 $ 21,286
Net Income
(Loss) 7,903 9,206 8,333 7,356 (2,600)
Basic
Earnings
Per Share 0.38 0.45 0.41 0.42 (0.15)
Diluted
Earnings
Per Share 0.38 0.45 0.41 0.41 (0.15)
Dividends
Declared 0.18 0.18 0.18 0.17 0.17
Book Value 15.88 15.74 15.33 13.51 13.23
Tangible
Book Value 9.36 9.19 8.92 10.61 10.35

PERFORMANCE
RATIOS
Return on
Assets 0.94% 1.13% 1.04% 1.12% (0.38)%
Return on
Equity 9.50 11.34 10.71 12.62 (4.26)
Net Interest
Margin
(tax-
equivalent) 3.42 3.52 3.40 3.48 3.41
Tier 1
Capital to
Risk Assets 9.41 9.30 9.41 11.01 10.80
Capital to
Risk Assets 11.57 11.52 11.76 12.71 12.51
Tangible
Equity to
Tangible
Assets 6.01 5.96 5.97 7.20 6.99
Efficiency
Ratio 62.51 61.09 62.65 66.46 61.80

AT PERIOD END
Assets $3,350,207 $3,317,320 $3,214,362 $2,656,211 $2,684,479
Interest-
Earning
Assets 2,986,396 2,933,165 2,862,520 2,415,717 2,435,866
Commercial
Loans 1,604,785 1,572,013 1,467,730 1,040,004 1,018,930
Consumer
Loans 423,481 422,737 426,086 412,576 421,957
Mortgage
Loans 283,112 305,238 324,411 337,480 350,089
Total Loans 2,311,378 2,299,988 2,218,227 1,790,060 1,790,976
Deposits 2,340,137 2,383,953 2,415,619 1,995,728 1,953,852
Low Cost
Deposits (a) 782,479 779,234 791,587 742,645 750,399
Interest-
Bearing
Liabilities 2,723,560 2,664,101 2,585,213 2,141,347 2,173,040
Shareholders'
Equity 328,000 325,090 316,313 238,707 235,474
Unrealized
Gains
(Losses) on
Market
Securities
(FASB 115) (5,492) (4,171) (6,848) (3,294) (4,879)

AVERAGE
BALANCES
Assets $3,320,443 $3,232,918 $3,198,981 $2,658,785 $2,707,539
Interest-
Earning
Assets (b) 2,964,101 2,882,412 2,866,946 2,417,417 2,469,010
Commercial
Loans 1,576,840 1,501,430 1,425,439 1,021,373 1,028,889
Consumer
Loans 423,197 423,607 427,419 416,532 423,325
Mortgage
Loans 295,186 313,535 340,430 342,344 355,412
Total Loans 2,295,223 2,238,572 2,193,288 1,780,249 1,807,626
Deposits 2,375,759 2,377,662 2,435,682 1,980,454 2,016,184
Low Cost
Deposits (a) 780,531 794,157 799,513 738,439 742,090
Interest-
Bearing
Liabilities 2,683,304 2,595,245 2,572,178 2,148,320 2,187,665
Shareholders'
Equity 330,136 322,028 312,063 236,333 242,248
Basic Shares 20,535 20,527 20,331 17,678 17,697
Diluted
Shares 20,542 20,545 20,407 17,786 17,864

(a) Defined as interest checking, demand deposit and savings
accounts.
(b) Includes securities available for sale and held for trading at
amortized cost.

INTEGRA BANK CORPORATION
SUMMARY OF SELECTED CONSOLIDATED FINANCIAL DATA-con't
(In thousands, except ratios and yields)

Dec. 31, Sept. 30, June 30, March 31, Dec. 31,
2007 2007 2007 2007 2006
-------- -------- -------- -------- --------

ASSET QUALITY

Non-Performing Assets:
Non Accrual Loans $18,549 $14,543 $12,975 $ 8,816 $ 8,625
Loans 90+ Days
Past Due 4,118 1,508 801 49 228
-------- -------- -------- -------- --------
Non-Performing Loans 22,667 16,051 13,776 8,865 8,853
Other Real
Estate Owned 2,923 4,016 3,563 1,246 936
-------- -------- -------- -------- --------
Non-Performing
Assets $25,590 $20,067 $17,339 $10,111 $ 9,789
======== ======== ======== ======== ========

Allowance for
Loan Losses:
Beginning Balance $26,401 $26,390 $21,165 $21,155 $21,403
Allowance Associated
with Acquisition -- -- 5,982 -- --
Provision for
Loan Losses 2,280 723 455 735 18,091
Recoveries 236 362 426 348 463
Loans Charged Off (1,656) (1,074) (1,638) (1,073) (18,802)
-------- -------- -------- -------- --------
Ending Balance $27,261 $26,401 $26,390 $21,165 $21,155
======== ======== ======== ======== ========

Ratios:
Allowance for Loan
Losses to Loans 1.18% 1.15% 1.19% 1.18% 1.18%
Allowance for Loan
Losses to Average
Loans 1.19 1.18 1.20 1.19 1.17
Allowance to
Non-performing Loans 120.27 164.48 191.57 238.75 238.96
Non-performing
Loans to Loans 0.98 0.70 0.62 0.50 0.49
Non-performing
Assets to Loans and
Other Real
Estate Owned 1.11 0.87 0.78 0.56 0.55
Net Charge-Off Ratio 0.25 0.13 0.22 0.17 4.03

NET INTEREST MARGIN

Yields (tax-equivalent)
Loans 7.41% 7.67% 7.52% 7.25% 7.18%
Securities 5.34 5.28 5.16 5.17 5.17
Regulatory Stock 4.73 4.80 4.36 5.68 5.05
Other Earning Assets 5.59 6.16 4.60 5.92 5.68
-------- -------- -------- -------- --------
Total Earning Assets 7.00 7.19 7.01 6.76 6.64

Cost of Funds
Interest
Bearing Deposits 3.63 3.75 3.73 3.44 3.41
Other Interest
Bearing Liabilities 5.06 5.35 5.45 4.64 4.64
Total Interest
Bearing Liabilities 3.95 4.07 4.02 3.68 3.65
-------- -------- -------- -------- --------
Total Interest
Expense to
Earning Assets 3.58 3.67 3.61 3.28 3.23
-------- -------- -------- -------- --------
Net Interest Margin 3.42% 3.52% 3.40% 3.48% 3.41%
======== ======== ======== ======== ========
-0-
CONTACT: Integra Bank Corporation
Mike Vea, Chairman, President and CEO
812-464-9604
Martin Zorn, CFO, EVP-Finance and Risk
812-461-5794
Gretchen Dunn, Shareholder Relations
812-464-9677
http://www.integrabank.com