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ITEM 6. SELECTED FINANCIAL DATA
The selected financial data presented below as of and for the years ended December 31, 2002, 2001, 2000,
1999, and 1998, have been derived from our audited consolidated financial statements. The selected financial data
should be read in conjunction with “Item 7—Management’s Discussion and Analysis of Financial Condition and
Results of Operations” and our consolidated financial statements. The results of operations presented below are not
necessarily indicative of the results of operations that may be achieved in the future. The amounts related to shares
of our common stock have been adjusted to give effect to all stock dividends and stock splits.  Management’s
Discussion and Analysis of Financial Condition and Results of Operations incorporated information required to be
disclosed by the Securities and Exchange Commissions’ Industry Guide 3, “Statistical Disclosure by Bank Holding
Companies.”
Year Ended December 31,
2002 2001 2000 1999 1998
(dollars in thousands, except per share data)
Summary Income Statement Information:
Interest income $ 104,862 $ 116,473 $ 117,951 $ 110,013 $ 111,868
Interest expense         24,380        44,834         48,829         43,338         46,292
Net interest income 80,482 71,639 69,122 66,675 65,576
Provision for loan losses 2,370 1,964 2,398 2,031 1,140
Noninterest income 29,553 27,579 25,947 24,484 22,351
Noninterest expense         59,082         55,072         51,692         51,934         52,422
Earnings before income taxes 48,583 42,182 40,979 37,194 34,365
Income tax expense         14,630         12,827         12,663         11,504         11,111
Net earnings $      33,953 $      29,355 $      28,316 $      25,690 $      23,254
Per Share Data:
Net earnings per share, basic $ 2.75 $ 2.38 $ 2.28 $ 2.06 $ 1.87
Net earnings per share, assuming dilution 2.74 2.37 2.27 2.05 1.86
Cash dividends declared 1.35 1.16 1.03 .90 .80
Book value at period-end 19.31 17.32 15.92 14.33 13.62
Earnings performance ratios:
Return on average assets 1.78% 1.62% 1.67% 1.53% 1.44%
Return on average equity 15.13 14.35 15.39 14.84 14.51
Summary Balance Sheet Data (Period-end):
Investment securities $ 772,256 $ 721,694 $ 654,253 $ 656,218 $ 625,891
Loans 964,040 940,131 859,271 797,275 779,544
Total assets 1,993,183 1,929,694 1,753,814 1,723,369 1,686,647
Deposits 1,711,562 1,685,163 1,519,874 1,524,704 1,504,856
Total liabilities 1,754,415 1,716,040 1,557,693 1,544,706 1,517,198
Total shareholders’ equity 238,768 213,654 196,121 178,663 169,449
Asset quality ratios:
Allowance for loan losses/period-end loans 1.16% 1.13% 1.15% 1.12% 1.15%
Nonperforming assets/period-end loans plus
foreclosed assets 0.44 0.51 0.48 0.26 0.41
Net charge offs/average loans 0.19 0.18 0.18 0.27 0.36
Capital ratios:
Average shareholders’ equity/average assets 11.76% 11.29% 10.86% 10.30% 9.89%
Leverage ratio (1) 10.51 9.92 10.40 9.62 9.02
Tier 1 risk-based capital (2) 18.50 17.10 17.75 17.19 16.03
Total risk-based capital (3) 19.52 18.08 18.74 18.13 17.01
Dividend payout ratio 49.13 48.94 45.23 43.64 41.66
(1) Calculated by dividing, at period-end, shareholders’ equity (before unrealized gain/loss on securities available-for-sale) l ess
intangible assets by fourth quarter average assets less intangible assets.
(2) Calculated by dividing, at period-end, shareholders’ equity (before unrealized gain/loss on securities available-for-sale) l ess
intangible assets by risk-adjusted assets.
(3) Calculated by dividing, at period-end, shareholders’ equity (before unrealized gain/loss on securities available for sale) l ess
intangible assets plus allowance for loan losses to the extent allowed under regulatory guidelines by risk-adjusted assets.