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ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA
Our consolidated financial statements begin on page F-1.
Quarterly Results of Operations (in thousands, except per share and common stock data):
The following tables set forth certain unaudited historical quarterly financial data for each of the eight
consecutive quarters in fiscal 2002 and 2001.  This information is derived from unaudited consolidated financial
statements that include, in our opinion, all adjustments (consisting of normal recurring adjustments) necessary for a
fair presentation when read in conjunction with our consolidated financial statements and notes thereto included
elsewhere in this Form 10-K.
2002
4th 3rd 2nd 1st
Summary Income Statement Information:
Interest income $ 25,687 $ 26,316 $ 26,414 $ 26,445
Interest expense           5,244         5,818           6,246         7,072
Net interest income 20,443 20,498 20,168 19,373
Provision for loan losses              809            652              510            399
Net interest income after provision for loan losses 19,634 19,846 19,658 18,974
Noninterest income 7,858 7,527 7,177 6,975
Net gain (loss) on securities transactions                 - (3) 19 -
Noninterest expense         15,247       14,902         14,677       14,256
Earnings before income taxes 12,245 12,468 12,177 11,693
Income tax expense           3,694         3,768           3,655         3,513
Net earnings $        8,551 $      8,700 $        8,522 $      8,180
Per Share Data:
Net earnings per share, basic $ 0.69 $ 0.70 $ 0.69 $ 0.66
Net earnings per share, assuming dilution 0.69 0.70 0.69 0.66
Cash dividends declared 0.35 0.35 0.35 0.30
Book value at period-end 19.31 19.25 18.43 17.60
Common stock sales price: (1)
High $ 42.00 $ 41.73 $ 43.00 $ 34.30
Low 34.65 34.85 33.00 29.30
Close 38.00 36.44 41.84 33.21
2001
4th 3rd 2nd 1st
Summary Income Statement Information:
Interest income $ 27,814 $ 29,500 $ 29,213 $ 29,946
Interest expense           9,071       10,958         11,779       13,026
Net interest income 18,743 18,542 17,434 16,920
Provision for loan losses              562            539              497            366
Net interest income after provision for loan losses 18,181 18,003 16,937 16,554
Noninterest income 6,972 6,847 7,046 6,646
Net gain on securities transactions                 - - 14 54
Noninterest expense         14,364      14,047         13,507       13,154
Earnings before income taxes 10,789 10,803 10,490 10,100
Income tax expense           3,258         3,270           3,203         3,096
Net earnings $        7,531 $      7,533 $        7,287 $      7,004
Per Share Data:
Net earnings per share, basic $ 0.61 $ 0.61 $ 0.59 $ 0.57
Net earnings per share, assuming dilution 0.61 0.61 0.59 0.56
Cash dividends declared 0.30 0.30 0.30       0.264
Book value at period-end 17.32 17.31 16.77 16.40
Common stock sales price: (1)
High $ 31.88 $ 32.91 $ 31.44 $ 27.15
Low 27.20 27.00 25.00 23.40
Close 30.10 29.03 31.00 26.60
(1) These quotations reflect inter-dealer prices without retail mark-up, mark-down or commission, and may not
necessarily represent actual transactions.