Year Ended December 31, 2000 1999 1998 1997(1) 1996 Interest Income (tax-equivalent) $ 415,535    $ 353,341    $ 319,240    $ 280,167    $ 248,311 Interest Expense 253,119 204,261 187,509 156,718 137,354 Net Interest Income (tax-equivalent) 162,416 149,080 131,731 123,449 110,957 Provision for Loan Losses 23,877 11,570 12,027 9,953 10,011 Net Interest Income after Provision for Loan Losses 138,539 137,510 119,704 113,496 100,946 Non-Interest Income 66,921 61,147 56,143 42,119 44,533 Net Securities Gains 8,499 312 6,749 2,337 5,556 Merger-Related Expenses (1) — — — 10,047 — Non-Interest Expense 148,368 132,656 123,062 108,263 110,347 Income before Income Taxes 65,591 66,313 59,534 39,642 40,688 Income Tax Expense (tax-equivalent) 21,551 22,163 20,504 14,683 14,500 Income before Extraordinary Item 44,040 44,150 39,030 24,959 26,188 Extraordinary Item—Gain on Debt Extinguishment, Net 770 — — — — Net Income $ 44,810 $ 44,150 $ 39,030 $ 24,959 $ 26,188 Per Share Amounts:   Basic—Net Income before Extraordinary Item $ 1.68 $ 1.65 $ 1.45 $ .95 $ 1.01   —Net Income 1.71 1.65 1.45 .95 1.01   Diluted—Net Income before Extraordinary Item $ 1.64 $ 1.60 $ 1.40 $ .92 $ .97   —Net Income 1.67 1.60 1.40 .92 .97   Cash Dividends Paid $ .67 $ .57 $ .47 $ .38 $ .30 Tax-Equivalent Adjustment (2) $ 983 $ 964 $ 1,133 $ 1,055 $ 832 Total Assets $ 5,504,548 $ 5,094,477 $ 4,675,897 $ 3,926,739 $ 3,485,618 Total Stockholders’ Equity 315,411 274,599 296,077 270,182 238,798 Total Common Equity (3) 326,106 318,922 290,769 265,449 240,171 Return on Average Assets .82 % .90 % .90 % .68 % .79 % Return on Average Equity 16.17 15.46 13.75 9.90 11.53 Return on Average Common Equity 14.03 14.61 13.99 9.91 11.41 Stockholders’ Equity to Assets 5.73 5.39 6.33 6.88 6.85 Average Equity to Average Assets 5.09 5.83 6.52 6.89 6.85 Dividend Payout Ratio 40.41 34.47 32.35 40.04 29.58

(1)  Merger-Related Expenses—Exclusive of after-tax, merger-related expenses incurred during 1997, net income would have been $33.6 million. Return on average assets and return on average equity for 1997 would have been .92% and 13.33%, respectively. Basic earnings per share and diluted earnings per share would have been $1.28 and $1.23, respectively. Graphs on following pages reflect amounts and ratios exclusive of the after-tax, merger-related expenses. (2)  Tax-advantaged income has been adjusted to a tax-equivalent basis using the combined statutory federal and state income tax rate in effect of 35% in 2000 and 1999, and 39.55% for 1998 through 1996. (3)  Common Equity excludes net accumulated other comprehensive income, which is comprised of unrealized gains or losses on available for sale securities.