Five Year Financial Summary (1) Top-line revenue consists of net interest income plus fees and other revenue excluding gains on sales of branches, securities available for sale, loan servicing and subsidiaries  and title insurance revenues. (2) Tangible equity represents total stockholders’ equity less goodwill and deposit based intangibles. (3) Net interest income divided by average interest-earning assets. page 21 Consolidated Income: Year Ended December 31, Compound Annual Growth Rate 1-Year 5-Year (Dollars in thousands, except per-share data) 2002 2001 2000 1999 1998 2002/2001 2002/1997 Top-line revenue (1)  . . . . . . . . . . $ 904,569 $ 848,529 $ 761,999 $ 698,533 $ 661,429 6.6% 9.4% Net interest income . . . . . . . . . $ 499,225 $ 481,222 $ 438,536 $ 424,213 $ 425,734 3.7  4.9 Provision for credit losses . . . . . 22,006  20,878 14,772 16,923 23,280 5.4 4.1 Non-interest income . . . . . . . . 418,842  371,486 336,276 313,693 284,681 12.7 13.6 Non-interest expense . . . . . . . . 538,369  501,996 457,202 447,892 421,886 7.2 8.6 Income before income  tax expense . . . . . . . . . . 357,692  329,834 302,838 273,091 265,249 8.4  8.2 Income tax expense . . . . . . . . . . 124,761  122,512 116,593 107,052 109,070 1.8 5.4 Net income . . . . . . . . . . . . . $ 232,931  $ 207,322 $ 186,245 $ 166,039 $ 156,179 12.4 9.9 Per common share: Basic earnings . . . . . . . . . . . $ 3.17 $ 2.73 $ 2.37 $ 2.01 $ 1.77 16.1 13.0 Diluted earnings . . . . . . . . . $ 3.15 $ 2.70 $ 2.35 $ 2.00 $ 1.76 16.7 13.3 Dividends declared . . . . . . . $ 1.15 $ 1.00 $ .825 $ .725 $ .6125 15.0 19.7 Consolidated Financial Condition: At December 31, Compound Annual Growth Rate 1-Year 5-Year (Dollars in thousands, except per-share data) 2002 2001 2000 1999 1998 2002/2001 2002/1997 Securities available for sale . . . . . $ 2,426,794 $1 ,584,661 $ 1,403,888 $ 1,521,661 $ 1,677,919 53.1% 11.2% Residential real estate loans . . . . 1,800,344  2,733,290 3,673,831 3,919,678 3,765,280 (34.1) (13.1) Subtotal . . . . . . . . . . . . . . . 4,227,138  4,317,951 5,077,719 5,441,339 5,443,199 (2.1) (3.5)  Other loans and leases . . . . . . . 6,320,784 5,510,912 4,872,868 3,976,065 3,375,898 14.7 12.9 Total assets . . . . . . . . . . . . . . . 12,202,069  11,358,715 11,197,462 10,661,716 10,164,594  7.4 4.6 Checking, savings and money  market deposits . . . . . . . . . 5,791,233 4,778,714 4,086,219 3,712,988 3,756,558 21.2 11.9 Certificates . . . . . . . . . . . . . . . 1,918,755 2,320,244 2,805,605 2,871,847 2,958,588 (17.3) (11.9) Borrowings . . . . . . . . . . . . . . . 3,110,295 3,023,025 3,184,245 3,083,888 2,461,046 2.9 12.5 Stockholders’ equity . . . . . . . . . 977,020 917,033 910,220 808,982 845,502 6.5 .5 Tangible equity (2)  . . . . . . . . . . . 823,985 762,327 745,798 637,252 662,619 8.1 1.7 Per common share: Book value . . . . . . . . . . . . . 13.23 11.92 11.34 9.87 9.88 11.0 5.2 Ta n gible equity . . . . . . . . . . 11.16 9.91 9.29 7.78 7.74 12.6 6.5 Key Ratios and Other Data: At or For the Year Ended December 31, 2002 2001 2000 1999 1998 Return on average assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2.01% 1.79% 1.72% 1.61% 1.62% Return on average realized common equity . . . . . . . . . . . . . . 25.82 23.18 21.53 19.83 17.51 Return on average common equity . . . . . . . . . . . . . . . . . . . . 25.38 23.06 22.64 20.34 17.34 Average total equity to average assets . . . . . . . . . . . . . . . . . . . 7.91  7.78 7.58 7.93 9.35  Average tangible equity to average assets . . . . . . . . . . . . . . . . . 6.58 6.40 6.04 6.21 7.38 Net interest margin (3)  . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.71 4.51 4.35 4.47 4.84 Common dividend payout ratio . . . . . . . . . . . . . . . . . . . . . . . 36.51% 37.04% 35.11% 36.25% 34.80% Number of banking locations . . . . . . . . . . . . . . . . . . . . . . . . 395 375 352 338 311 Number of checking accounts (in thousands) . . . . . . . . . . . . . 1,338 1,249 1,131 1,032 913