See accompanying notes to consolidated financial statements. page 47 Year Ended December 31, (In thousands, except per-share data) 2002 2001 2000 INTEREST INCOME: Loans and leases . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $585,693 $681,110 $700,325 Securities available for sale . . . . . . . . . . . . . . . . . . . . . . . . . . 118,272 112,267 99,185 Loans held for sale . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22,464 24,266 17,130 Investments . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,934 8,966 10,041 Total interest income . . . . . . . . . . . . . . . . . . . . . . . . . . 733,363 826,609 826,681 INTEREST EXPENSE: Deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 95,386 162,727 197,094 Borrowings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 138,752 182,660 191,051 Total interest expense . . . . . . . . . . . . . . . . . . . . . . . . . . 234,138 345,387 388,145 Net interest income . . . . . . . . . . . . . . . . . . . . . . . . . 499,225 481,222 438,536 Provision for credit losses . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22,006 20,878 14,772 Net interest income after provision for credit losses . . 477,219 460,344 423,764 NON-INTEREST INCOME: Fees and service charges . . . . . . . . . . . . . . . . . . . . . . . . . . . 226,051 195,162 166,394 Debit card revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46,224 40,525 30,614 ATM revenue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45,342 45,768 47,333 Investments and insurance commissions . . . . . . . . . . . . . . . 15,781 11,535 12,266 Subtotal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 333,398 292,990 256,607 Leasing and equipment finance . . . . . . . . . . . . . . . . . . . . . 51,628 45,730 38,442 Mortgage banking . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6,979 12,042 10,519 Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13,339 16,545 17,895 Fees and other revenue . . . . . . . . . . . . . . . . . . . . . . . . . 405,344 367,307 323,463 Gains on sales of securities available for sale . . . . . . . . . . . . . 11,536 863 – Gains on sales of branches . . . . . . . . . . . . . . . . . . . . . . . . . 1,962 3,316 12,813 Other non-interest income . . . . . . . . . . . . . . . . . . . . . 13,498 4,179 12,813 Total non-interest income . . . . . . . . . . . . . . . . . . . . 418,842 371,486 336,276 NON-INTEREST EXPENSE: Compensation and employee benefits . . . . . . . . . . . . . . . . . 295,787 267,716 239,544 Occupancy and equipment . . . . . . . . . . . . . . . . . . . . . . . . 83,131 78,774 74,938 Advertising and promotions . . . . . . . . . . . . . . . . . . . . . . . 21,894 20,909 19,181 Amortization of goodwill . . . . . . . . . . . . . . . . . . . . . . . . . . – 7,777 7,706 Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 137,557 126,820 115,833 Total non-interest expense . . . . . . . . . . . . . . . . . . . . . . 538,369 501,996 457,202 Income before income tax expense . . . . . . . . . . . . . 357,692 329,834 302,838 Income tax expense . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 124,761 122,512 116,593 Net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $232,931 $207,322 $186,245 EARNINGS PER COMMON SHARE: Basic . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 3.17 $ 2.73  $ 2.37  Diluted . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 3.15 $ 2.70  $ 2.35  DIVIDENDS DECLARED PER COMMON SHARE . . . . $ 1.15 $ 1.00  $ .825  Consolidated Statements of Income