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              [html]<thead><tr><tdrowspan="3"></td><tdcolspan="8">Year Ended December 31,</td></tr><tr><td>2002</td><tdcolspan="2">2001</td><tdcolspan="2">2000</td><tdcolspan="2">1999</td><tdcolspan="2">1998</td></tr><tr><tdcolspan="8">( dollars in thousands, except per share data )</td></tr></thead><tbody><tr><td>Summary Income Statement Information :</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Interest income</td><td>$ 104.862</td><td>$</td><td>116.473</td><td>$</td><td>117.951</td><td>$</td><td>110.013</td><td>$</td><td>111.868</td></tr><tr><td>Interest expense</td><td>24.380</td><td>44.834</td><td>48.829</td><td>43.338</td><td>46.292</td><td>Net interest income</td><td>80.482</td><td>71.639</td><td>69.122</td></tr><tr><td>66.675</td><td>65.576</td><td>Provision for loan losses</td><td>2.370</td><td>1.964</td><td>2.398</td><td>2.031</td><td>1.140</td><td>Noninterest income</td><td>29.553</td></tr><tr><td>27.579</td><td>25.947</td><td>24.484</td><td>22.351</td><td>Noninterest expense</td><td>59.082</td><td>55.072</td><td>51.692</td><td>51.934</td><td>52.422</td></tr><tr><td>Earnings before income taxes</td><td>48.583</td><td>42.182</td><td>40.979</td><td>37.194</td><td>34.365</td><td>Income tax expense</td><td>14.630</td><td>12.827</td><td>12.663</td></tr><tr><td>11.504</td><td>11.111</td><td>Net earnings</td><td>$ ___33.953</td><td>S.</td><td>29.355</td><td>S.</td><td>_28.316</td><td>≦</td><td>_25.690</td></tr><tr><td>$ ___23.254</td><td>Per Share Data :</td><td>Net earnings per share, basic</td><td>$</td><td>2.75</td><td>$</td><td>2.38</td><td>$</td><td>2.28</td><td>$</td></tr><tr><td>2.06</td><td>$</td><td>1.87</td><td>Net earnings per share, assuming dilution</td><td>2.74</td><td>2.37</td><td>2.27</td><td>2.05</td><td>1.86</td><td>Cash dividends declared</td></tr><tr><td>1.35</td><td>1.16</td><td>1.03</td><td>90</td><td>. 80</td><td>Book value at period - end</td><td>19.31</td><td>17.32</td><td>15.92</td><td>14.33</td></tr><tr><td>13.62</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>Earnings performance ratios :</td><td>Return on average assets</td><td>1.78 %</td><td>1.62 %</td><td>1.67 %</td><td>1.53 %</td><td>1.44 %</td><td>Return on average equity</td><td>15.13</td><td>14.35</td></tr><tr><td>15.39</td><td>14.84</td><td>14.51</td><td>Summary Balance Sheet Data ( Period - end ):</td><td>Investment securities</td><td>$</td><td>772.256</td><td>$</td><td>721.694</td><td>$</td></tr><tr><td>654.253</td><td>$</td><td>656.218</td><td>$</td><td>625.891</td><td>Loans</td><td>964.040</td><td>940.131</td><td>859.271</td><td>797.275</td></tr><tr><td>779.544</td><td>Total assets</td><td>1.993.183</td><td>1.929.694</td><td>1.753.814</td><td>1.723.369</td><td>1.686.647</td><td>Deposits</td><td>1.711.562</td><td>1.685.163</td></tr><tr><td>1.519.874</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>1.524.704</td><td></td><td>1.504.856</td><tdcolspan="2">Total liabilities</td><tdcolspan="2">1.754.415</td><tdcolspan="2">1.716.040</td><tdcolspan="2">1.557.693</td></tr><tr><td>1.544.706</td><td></td><td>1.517.198</td><td></td><td>Total shareholders ’ equity</td><td></td><td>238.768</td><td></td><td>213.654</td><td></td></tr><tr><td>196.121</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>178.663</td><td>169.449</td><td>Asset quality ratios :</td><td>Allowance for loan losses / period - end loans</td><td>1.16 %</td><td>1.13 %</td><td>1.15 %</td><td>1.12 %</td><td>1.15 %</td><td>Nonperforming assets / period - end loans plus</td></tr><tr><td>foreclosed assets</td><td>0.44</td><td>0.51</td><td>0.48</td><td>0.26</td><td>0.41</td><td>Net charge offs / average loans</td><td>0.19</td><td>0.18</td><td>0.18</td></tr><tr><td>0.27</td><td>0.36</td><td>Capital ratios :</td><td>Average shareholders ’ equity / average assets</td><td>11.76 %</td><td>11.29 %</td><td>10.86 %</td><td>10.30 %</td><td>9.89 %</td><td>Leverage ratio ( 1 )</td></tr><tr><td>10.51</td><td>9.92</td><td>10.40</td><td>9.62</td><td>9.02</td><td>Tier 1 risk - based capital ( 2 )</td><td>18.50</td><td>17.10</td><td>17.75</td><td>17.19</td></tr><tr><td>16.03</td><td>Total risk - based capital ( 3 )</td><td>19.52</td><td>18.08</td><td>18.74</td><td>18.13</td><td>17.01</td><td>Dividend payout ratio</td><td>49.13</td><td>48.94</td></tr><tr><td>45.23</td><td>43.64</td><td>41.66</td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr><tr><td></td><tdcolspan="2"<tdcolspan="2"<tdcolspan="2"<tdcolspan="2"</tr></tbody>
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