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              [html]<thead><tr><td>N THOUSANS ECGSPT PEP SWARE DATA</td><td>2002</td><td>2001</td><td>CHANGE</td></tr></thead><tbody><tr><td>For the Year</td><td>Net Income</td><td>$</td><td>33.953</td></tr><tr><td>$</td><td>29.355</td><td>15.7 %</td><td>Basic Earnings per Share</td></tr><tr><td>2.75</td><td>2.38</td><td>15.5</td><td>Dividends Declared</td></tr><tr><td>16.680</td><td>14.365</td><td>16.1</td><td>Dividends per Share</td></tr><tr><td>1.35</td><td>1.16</td><td>16.4</td><td>Averages for the Year</td></tr><tr><td>Assets</td><td>1.907.999</td><td>1.811.130</td><td>5.3</td></tr><tr><td>Securities</td><td>748.654</td><td>676.391</td><td>10.7</td></tr><tr><td>Loans</td><td>942.101</td><td>897.616</td><td>5.0</td></tr><tr><td>Deposits</td><td>1.644.170</td><td>1.566.360</td><td>5.0</td></tr><tr><td>Shareholders ' Equity</td><td>224.355</td><td>204.517</td><td>9.7</td></tr><tr><td>At Year - End</td><td>Assets</td><td>1.993.183</td><td>1.929.694</td></tr><tr><td>3.3</td><td>Securities</td><td>772.256</td><td>721.694</td></tr><tr><td>0.1</td><td>Loans</td><td>964.040</td><td>940.131</td></tr><tr><td>2.5</td><td>Deposits</td><td>1.711.562</td><td>1.685.163</td></tr><tr><td>1.6</td><td>Shareholders ' Equity</td><td>238.768</td><td>213.654</td></tr><tr><td>11.8</td><td>Book Value per Share</td><td>19.31</td><td>17.32</td></tr><tr><td>11.5</td><td>Trust Assets</td><td>986.224</td><td>958.952</td></tr><tr><td>2.8</td><td>Key Ratios</td><td>Return on Average Assets</td><td>1.78 %</td></tr><tr><td>1.62 %</td><td>Return on Average Equity</td><td>15.13</td><td>14.35</td></tr><tr><td>Equity / Assets at Year - End</td><td>11.98</td><td>11.07</td><td>Efficiency</td></tr><tr><td>51.96</td><td>53.82</td></tr><tr></tr><tr></tr><tr></tr><tr></tr></tbody>
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