text: **Table 2 — Average Balances and Average Yields and Rates (in thousands, except percentages):**
  
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              [html]<thead><tr><tdrowspan="3"></td><tdcolspan="3">2002</td><tdcolspan="3">2001</td><tdcolspan="3">2000</td></tr><tr><td>Average Balance</td><td>Income / Expense</td><td>Yield / Rate</td><td>Average Balance</td><td>Income / Expense</td><td>Yield / Rate</td><td>Average Balance</td><td>Income / Expense</td><td>Yield / Rate</td></tr><tr><td>Sets</td><td>bort - term investments....................................................</td><td>S 5</td><td>S</td><td>947</td><td>1.66 %</td><td>S</td><td>79.424</td><td>$ 3.211</td></tr></thead><tbody><tr><td>4.04 %</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>$ 50.538</td><td>$ 3.148</td><td>6.23 %</td><td>‘ axable investment securities............................</td><td>597.830</td><td>32.264</td><td>5.40</td><td>540.771</td><td>32.170</td><td>5.95</td></tr><tr><td>544.546</td><td>33.557</td><td>6.16</td><td>ax - exempt investment securities ( 1 )...</td><td>150.824</td><td>10.475</td><td>6.95</td><td>135.620</td><td>9.202</td><td>6.79</td></tr><tr><td>125.072</td><td>8.389</td><td>6.71</td><td>........................................................................................................................................................................................................</td><td>_942_l91</td><td>__fA872</td><td>6.89</td><td>__897Δ616</td><td>75.063</td><td>8.36</td></tr><tr><td>81.7, 693</td><td>_75Δ6S2</td><td>9.25</td><td>Total carning assets..................................................</td><td>1.747.785</td><td>108.558</td><td>6.21</td><td>1.653.431</td><td>119.646</td><td>7.24</td></tr><tr><td>1.537.759</td><td>120.746</td><td>7.85</td><td>Cash and due from banks...................................</td><td>81.016</td><td>80.032</td><td>77.727</td><td>Sank premiscs and equipment..................</td><td>41.195</td><td>40.903</td></tr><tr><td>40.400</td><td>Percentage</td><td></td><td></td><td>24.458</td><td></td><td></td><td>17.693</td><td></td><td></td></tr><tr><td>28.212</td><td>Soodwill, net............................................................................................................................................................................................</td><td></td><td></td><td>24.644</td><td></td><td></td><td>29.178</td><td></td><td></td></tr><tr><td>19.335</td><td>Ilowance for loan losses......................................................</td><td></td><td></td><td>_ ( l. l. ltfl99 )</td><td></td><td></td><td>Δ ( lsh, 107 )</td><td></td><td></td></tr><tr><td>.(?, 420 )</td><td>Total assets.............................................................................................................................................................................................</td><td></td><td></td><td>$ L. 892.999</td><td></td><td></td><td>$ L81L139</td><td></td><td></td></tr><tr><td>$ L694.013</td><td>Prevalence and Shareholders ’ Equity</td><td></td><td></td><td>merest - bearing deposits</td><td></td><td></td><td>$ 1.259.158</td><td></td><td></td></tr><tr><td>$ 24.088</td><td>1.91 %</td><td></td><td></td><td>$ 1.226.569</td><td></td><td></td><td>$ 43.971</td><td></td><td></td></tr><tr><td>3.58 %</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>$ 1.161.175</td><td>$ 47.738</td><td>4.11 %</td><td>hort - term borrowings....................................................................</td><td>24.628</td><td>____282</td><td>1.19</td><td>__25.392</td><td>________________________________________________________________________________________________________________________________________________________________________________________________________</td><td>3.40</td></tr><tr><td>___l2Δ621</td><td>Julfell</td><td>6.19</td><td>Total interest - bearing liabilities............</td><td>1.283.786</td><td>_24.380</td><td>1.90</td><td>1.251.952</td><td>_. 44.834</td><td>3.58</td></tr><tr><td>1.178.796</td><td>__48.829</td><td>4.14</td><td>Soninterest - bearing deposits......................</td><td>385.012</td><td>339.800</td><td>317.659</td><td>Specificity</td><td>J4.846</td><td>J4.861</td></tr><tr><td>JJ, S29</td><td>Total liabilities.</td><td></td><td></td><td>1.683.644</td><td></td><td></td><td>1.606.613</td><td></td><td></td></tr><tr><td>1.509.984</td><td>Parentholders ’ equity....................................................................................................................................................................................</td><td></td><td></td><td>__224.355</td><td></td><td></td><td>_204, S17</td><td></td><td></td></tr><tr><td>__J84.029</td><td>Total liabilities and sharcholders ’ equity.———————</td><td></td><td></td><td>$ L. 302.999</td><td></td><td></td><td>SL8J, L139</td><td></td><td></td></tr><tr><td>SL69A. 013</td><td>interest income.....................................................................................................................................................................</td><td></td><td></td><td>S_84, L78</td><td></td><td></td><td>$ _24812</td><td></td><td></td></tr><tr><td>$ _2L932</td><td>Analysis</td><td></td><td></td><td>merest income / earning assets....................</td><td></td><td></td><td>6.21 %</td><td></td><td></td></tr><tr><td>7.24 %</td><td></td><td>7.85 %</td><td></td><td></td><td>Defectst creditions</td><td></td><td></td><td>1.39</td><td></td></tr><tr><td>2.71</td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>3.18</td><td></td><td></td><td>Net yield on earning assets.......................</td><td></td><td></td><td>± 82 %</td><td></td><td></td><td>± S2 %</td></tr><tr><td>± 68 %</td><td></td><td></td><td></td><td></td><td></td><td></td></tr><tr><td></td><td></td><td></td><td></td><td></td><td></td></tr></tbody>
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