| Years Ended December 31 | CHANGE |
| INCOME STATEMENT | 2006 | 2005 | AMOUNT | PERCENT |
| Net interest income | $1,983 |
$
1,956 |
$
27 |
1% |
| Income from continuing operations* | 782 |
816 |
(34) |
(4) |
| Net income | 893 |
861 |
32 |
4 |
| Basic earnings
per common share: Income from continuing operations* |
4.88 |
4.90 |
(0.02) |
— |
| Net income |
5.57 |
5.17 |
0.40 |
8 |
| Diluted
earnings per common share:Income from continuing operations* |
4.81 |
4.84 |
(0.03) |
(1) |
| Net income |
5.49 |
5.11 |
0.38 |
7 |
| Cash dividends declared per common share | 2.36 |
2.20 |
0.16 |
7 |
| Book value per common share | 32.70 |
31.11 |
1.59 |
5 |
| Market value per common share | 58.68 |
56.76 |
1.92 |
3 |
| Average common shares outstanding – basic | 160 |
167 |
(7) |
(4) |
| Average common shares outstanding – diluted | 162 |
169 |
(7) |
(4) |
| RATIOS |
||||
| Return on average assets* | 1.58% | 1.64% | ||
| Return on average common shareholders’ equity* | 17.24 |
16.90 |
||
| Average
common shareholders’ equityas a percentage
of average assets |
9.15 |
9.71 |
||
| Tier 1 common capital as a percentage of risk-weighted assets | 7.54 |
7.78 |
||
| Tier 1 risk-based capital as a percentage of risk-weighted assets | 8.02 |
8.38 |
||
| Total risk-based capital as a percentage of risk-weighted assets | 11.63 |
11.65 |
||
| BALANCE SHEET (at December 31) |
||||
| Total assets | $ 58,001 | $ 53,013 | $ 4,988 | 9% |
| Total earning assets | 54,052 |
48,646 |
5,406 |
11 |
| Total loans | 47,431 |
43,247 |
4,184 |
10 |
| Total deposits | 44,927 |
42,431 |
2,496 |
6 |
| Total common shareholders’ equity | 5,153 |
5,068 |
85 |
2 |
*Income from continuing operations excludes the results of Munder Capital Management, a subsidiary sold in 2006
and reported as a discontinued operation in all periods presented. Ratios are
based on net income, which includesincome from both continuing and discontinued
operations.