IN THOUSANDS EXCEPT PER SHARE DATA 2002 2001 CHANGE
For the Year
Net Income $ 33,953 $ 29,355 15.7%
Basic Earnings per Share 2.75 2.38 15.5
Dividends Declared 16,680 14,365 16.1
Dividends per Share 1.35 1.16 16.4
Averages for the Year
Assets 1,907,999 1,811,130 5.3
Securities 748,654 676,391 10.7
Loans 942,101 897,616 5.0
Deposits 1,644,170 1,566,360 5.0
Shareholders’ Equity 224,355 204,517 9.7
At Year-End
Assets 1,993,183 1,929,694 3.3
Securities 772,256 721,694 0.1
Loans 964,040 940,131 2.5
Deposits 1,711,562 1,685,163 1.6
Shareholders’ Equity 238,768 213,654 11.8
Book Value per Share 19.31 17.32 11.5
Trust Assets 986,224 958,952 2.8
Key Ratios
Return on Average Assets 1.78% 1.62%
Return on Average Equity 15.13 14.35
Equity/Assets at Year-End 11.98 11.07
Efﬁciency 51.96 53.82
3