The accompanying Notes to Consolidated Financial Statements are an integral part of these Financial Statements. 36 (dollars in thousands, except per share data) 2002 2001 2000 Interest and Dividend Income Loans, including fees $ 71,153 $ 79,265  $ 79,380  Mortgage loans held for sale, including fees 362  682  167  Investment securities: Taxable interest 14,130 17,435  23,461  Tax-exempt interest 1,186 398  84  Other investments 721 2,588  874  Total interest and dividend income 87,552 100,368  103,966  Interest Expense Deposits 24,562 42,127  44,566  Short-term borrowings 613 617  4,243  Long-term debt 2,783 3,274  3,921  Total interest expense 27,958  46,018  52,730  Net interest income 59,594  54,350  51,236  Provision for loan losses 6,197 5,046  3,861  Net interest income after provision for loan losses 53,397  49,304  47,375  Noninterest Income Service charges on deposit accounts 9,984  8,054  8,050  ATM fee income 1,609  1,491  1,309  Gain on sale of loans, net 2,081 2,234  405  Gain on sale of assets 406 301  2,047  Gain (loss) on sale of investments, net (42) 119  (1,759) Other income 3,828 2,945  2,766  Total noninterest income 17,866 15,144  12,818  Noninterest Expense Salaries and employee benefits 23,066 21,187  18,510  Occupancy and equipment 5,432 5,439  5,589  Communication and delivery 2,551 2,510  2,510  Franchise and shares tax 1,681 1,357  1,382  Data processing 1,456  1,256  1,369  Marketing and business development 1,006 876  867  Printing, stationery and supplies 687 753  731  Amortization of acquisition intangibles 243  3,151  3,267  Other expenses 7,910 5,182  5,479  Total noninterest expense 44,032 41,711  39,704  Income before income tax expense 27,231 22,737  20,489  Income tax expense 8,778  8,229  7,514  Net Income $ 18,453  $ 14,508  $ 12,975  Earnings per share - basic  $ 3.26  $ 2.48  $ 2.14  Earnings per share - diluted $ 3.02  $ 2.36  $ 2.12  IBERIABANK CORPORATION AND SUBSIDIARIES CONSOLIDATED STATEMENTS OF INCOME YEARS ENDED DECEMBER 31, 2002, 2001 AND 2000