UNDERSTANDING OUR MARKETS HIGHLIGHTS  At or for the 12 Months Ended December 31, 2002 2001 2000 1999 1998 Selected Financial Condition Data: Total assets $2,946,374 $2,779,882 $2,586,684 $2,406,394 $1,829,675 Tangible Assets 2,886,962 2,716,919 2,524,910 2,345,403 1,805,337 Loans, net of allowance for loan losses 2,154,619 2,040,070 1,800,062 1,564,414 1,079,690 Allowance for loan losses 15,458 15,492 15,382 14,689 12,046 Loan originations 716,991 518,935 348,692 519,342 439,653 Investment and mortgage-backed securities 468,341 461,153 548,751 602,741 620,741 Deposits 1,927,175 1,595,362 1,264,664 1,204,781 1,023,992 Borrowings 675,541 872,547 1,016,954 953,170 579,554 Stockholders' equity 265,737 243,917 216,232 211,348 177,443 Tangible Stockholders' equity  206,325 180,954 154,458 150,357 153,105 Selected Operating Data: Interest income $181,914 $185,676 $174,225 $152,515 $116,043 Interest expense  91,790 111,054 108,324 88,865 65,733 Net interest income 90,124 74,622 65,901 63,650 50,310 Provision for losses 240 240 740 240 705 Net interest income after provision  for loan losses 89,884 74,382 65,161 63,410 49,605 Non-interest income 19,999 10,323 6,016 9,101 8,655 Non-interest expense  38,696 35,030 33,289 34,622 30,097 Income before income tax  71,187 49,675 37,888 37,889 28,163 Income tax expense  26,565 18,485 14,925 15,720 12,122 Net income  $44,622 $31,190 $22,963 $22,169 $16,041 Financial and Performance Ratios: Return on average assets 1.57% 1.15% 0.92% 0.98% 0.99% Return on average stockholders' equity  17.65 13.69 10.96 10.58 8.80  Stockholders' equity to total assets  at end of period 9.02 8.77 8.36 8.78 9.70 Tangible equity to tangible assets at end of period 7.15 6.66 6.12 6.41 8.48 Loans to deposits at end of period 112.60 128.85 143.55 131.07 106.62 Loans to interest-earning assets  at end of period 77.85 78.13 74.31 69.48 61.89 Average interest rate spread  2.93 2.46 2.42 2.63 2.68 Net interest margin  3.33 2.91 2.82 2.99 3.23 Non-interest expense to average assets 1.36 1.30 1.34 1.53 1.85 Efficiency ratio  36.49 41.40 45.80 47.63 54.50 Dividend payout ratio 25.00 28.23 35.56 33.75 26.98 Per Share Data: Diluted earnings per share  $1.76 $1.24 $0.90 $0.80 $0.63 Cash dividends per share 0.44 0.35 0.32 0.27 0.17 Book value per share 10.36 9.46 8.44 7.54 6.85 Tangible book value per share 8.04 7.01 6.03 5.36 5.92 Asset Quality Ratios and Other Data:  Total non-performing loans  $2,116 $1,899 $3,950 $2,967 $1,327 Other real estate owned, net 134 179 438 1,180 492 Non-performing loans to total loans  0.10% 0.09% 0.22% 0.19% 0.12% Non-performing assets to total assets  0.08 0.07 0.17 0.17 0.10 Allowance for Loan Losses to: Non-performing loans  730.53% 815.80% 389.42% 495.08% 907.76% Total loans  0.71 0.75 0.85 0.93 1.10 Regulatory Capital Ratios:  (Bank only) Tangible capital 7.19% 6.69% 6.01% 5.66% 7.26% Core capital 7.19 6.69 6.01 5.66 7.26 Risk-based capital 13.17 13.17 12.72 10.73 14.28