text: $ 2.37 
   .10 
   $ 2.47  $ 2.27 
   .10 
   $ 2.37 
  
  *Net Interest Income*. Net interest income is the difference between interest income on earning assets and 
  interest expense on liabilities incurred to fund those assets. Our earning assets consist primarily of loans and 
  investment securities. Our liabilities to fund those assets consist primarily of noninterest-bearing and interest- 
  bearing deposits. Tax-equivalent net interest income was $84.2 million in 2002 as compared to $74.8 million in 
  16 