Consolidated Statements of Cash Flows Year Ended December 31, (In thousands) 2002 2001 2000 CASH FLOWS FROM OPERATING ACTIVITIES: Net income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 232,931 $ 207,322  $ 186,245 Adjustments to reconcile net income to net cash provided  by operating activities: Depreciation and amortization . . . . . . . . . . . . . . . . . 40,772 46,599 44,419 Mortgage servicing rights amortization  and impairment . . . . . . . . . . . . . . . . . . . . . . . . . . 35,374 20,964 5,326 Provision for credit losses . . . . . . . . . . . . . . . . . . . . 22,006 20,878 14,772 Proceeds from sales of loans held for sale . . . . . . . . . . 2,703,744 2,135,218 611,123 Principal collected on loans held for sale . . . . . . . . . . 15,814 12,469 9,885 Originations and purchases of loans held for sale . . . . (2,734,741) (2,375,396) (649,750) Net (increase) decrease in other assets and  accrued expenses and other liabilities . . . . . . . . . . 43,091 91,612 (1,854) Gains on sales of assets . . . . . . . . . . . . . . . . . . . . . . . (13,900) (4,393) (12,813) Other, net . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (20,141) (9,885) (5,250) Total adjustments . . . . . . . . . . . . . . . . . . . . . . . . 92,019 (61,934) 15,858  Net cash provided by operating activities . . . . . 324,950 145,388 202,103 CASH FLOWS FROM INVESTING ACTIVITIES: Principal collected on loans and leases . . . . . . . . . . . . . . . . 3,434,153 3,352,341 2,162,839 Originations and purchases of loans . . . . . . . . . . . . . . . . . . (2,984,568) (2,719,682) (2,320,239) Purchases of equipment for lease financing . . . . . . . . . . . . . (470,917) (449,231) (579,595) Proceeds from sales of securities available for sale . . . . . . . . . 485,406 33,645 – Proceeds from maturities of and principal collected  on securities available for sale . . . . . . . . . . . . . . . . . . . . 718,431 398,316 176,905 Purchases of securities available for sale . . . . . . . . . . . . . . . . (1,973,974) (587,324) (314) Net (increase) decrease in Federal Home Loan Bank stock . . 3,126 (18,927) (4,671) Purchases of premises and equipment . . . . . . . . . . . . . . . . . (60,279) (44,682) (50,973) Sales of deposits, net of cash paid . . . . . . . . . . . . . . . . . . . . (15,206) (26,958) (82,097) Loans to deferred compensation plans, net . . . . . . . . . . . . . . 9,783 (4,646) (416) Other, net . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 92 (15,544) 23,047  Net cash used by investing activities . . . . . . . . . . . . . . . . (853,953) (82,692) (675,514) CASH FLOWS FROM FINANCING ACTIVITIES: Net increase in deposits . . . . . . . . . . . . . . . . . . . . . . . . . . . 628,142 237,180 402,731 Net increase (decrease) in short-term borrowings . . . . . . . . 122,192 (178,836) (168,287) Proceeds from long-term borrowings . . . . . . . . . . . . . . . . . 52,462 677,334 954,252 Payments on long-term borrowings . . . . . . . . . . . . . . . . . . (11,665) (579,529) (619,250) Purchases of common stock . . . . . . . . . . . . . . . . . . . . . . . . (148,030) (148,043) (73,824) Dividends on common stock . . . . . . . . . . . . . . . . . . . . . . . . (86,430) (77,473) (66,101) Other, net . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2,029 1,364 6,635 Net cash provided (used) by financing activities . . . . . . . . 558,700 (68,003) 436,156  Net increase (decrease) in cash and due from banks . . . . . . . . . . 29,697 (5,307) (37,255) Cash and due from banks at beginning of year . . . . . . . . . . . . . 386,700 392,007 429,262 Cash and due from banks at end of year . . . . . . . . . . . . . . . . . . $ 416,397 $  386,700  $ 392,007  SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION: Cash paid for: Interest on deposits and borrowings . . . . . . . . . . . . . . . . $ 234,046 $ 352,903 $ 377,430 Income taxes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 87,899 $ 24,128  $ 89,852  Transfer of loans and leases to other assets . . . . . . . . . . . . . . $ 51,713 $ 33,447  $ 16,580  See accompanying notes to consolidated financial statements. page 50