Dollars in thousands, except per share amounts |
|
|
2001 |
|
|
|
2000 |
|
|
|
Increase (Decrease) Amount |
|
|
|
|
 |
|
|
|
|
|
|
|
|
|
| |
For the Year |
|
|
|
|
|
|
|
|
|
|
|
|
Net income |
|
$ |
146,170 |
|
|
$ |
131,660 |
|
|
$ |
14,510 |
|
Net income per common share, basic |
|
|
3.05 |
|
|
|
2.79 |
|
|
|
0.26 |
|
Net income per common share, diluted |
|
|
2.96 |
|
|
|
2.72 |
|
|
|
0.24 |
|
Dividends per common share |
|
|
0.74 |
|
|
|
0.70 |
|
|
|
0.04 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
At Year End |
|
|
|
|
|
|
|
|
|
|
|
|
Assets |
|
$ |
10,176,316 |
|
|
$ |
9,096,669 |
|
|
$ |
1,079,647 |
|
Deposits |
|
|
8,131,202 |
|
|
|
7,408,670 |
|
|
|
722,532 |
|
Loans |
|
|
7,159,206 |
|
|
|
6,527,145 |
|
|
|
632,061 |
|
Securities |
|
|
1,814,839 |
|
|
|
1,547,844 |
|
|
|
266,995 |
|
Shareholders' equity |
|
|
890,577 |
|
|
|
743,648 |
|
|
|
146,929 |
|
Book value per common share |
|
|
18.50 |
|
|
|
15.61 |
|
|
|
2.89 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
Average Balances |
|
|
|
|
|
|
|
|
|
|
|
|
Assets |
|
$ |
9,328,512 |
|
|
$ |
8,426,129 |
|
|
$ |
902,383 |
|
Deposits |
|
|
7,067,984 |
|
|
|
6,334,846 |
|
|
|
733,138 |
|
Loans |
|
|
6,713,315 |
|
|
|
6,236,334 |
|
|
|
476,981 |
|
Securities |
|
|
1,656,028 |
|
|
|
1,350,971 |
|
|
|
305,057 |
|
Shareholders' equity |
|
|
825,344 |
|
|
|
667,618 |
|
|
|
157,726 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
Selected Ratios |
|
|
|
|
|
|
|
|
|
|
|
|
Return on average assets |
|
|
1.57 |
% |
|
|
1.56 |
% |
|
|
0.01 |
% |
Return on average shareholders' equity |
|
|
17.71 |
|
|
|
19.72 |
|
|
|
(2.01 |
) |
Tier 1 leverage ratio |
|
|
7.26 |
|
|
|
6.49 |
|
|
|
0.77 |
|
Total risk-based capital ratio |
|
|
14.08 |
|
|
|
10.85 |
|
|
|
3.23 |
|
Dividend payout ratio per common share |
|
|
24.26 |
|
|
|
24.95 |
|
|
|
(0.69 |
) |
Net interest margin |
|
|
5.26 |
|
|
|
5.44 |
|
|
|
(0.18 |
) |
Efficiency ratio |
|
|
54.08 |
|
|
|
55.76 |
|
|
|
(1.68 |
) |
| |
Cash Basis Results for the Year(1) |
|
|
|
|
|
|
|
|
|
|
|
|
Net income |
|
$ |
161,978 |
|
|
$ |
145,721 |
|
|
$ |
16,257 |
|
Net income per common share, basic |
|
|
3.38 |
|
|
|
3.09 |
|
|
|
0.29 |
|
Net income per common share, diluted |
|
|
3.28 |
|
|
|
3.01 |
|
|
|
0.27 |
|
Return on average assets |
|
|
1.77 |
% |
|
|
1.76 |
% |
|
|
0.01 |
% |
Return on average shareholders' equity |
|
|
25.01 |
|
|
|
29.17 |
|
|
|
(4.16 |
) |
Efficiency ratio |
|
|
50.90 |
|
|
|
52.61 |
|
|
|
(1.71 |
) |
| |
At Year End |
|
|
|
|
|
|
|
|
|
|
|
|
Assets under management |
|
$ |
7,651,037 |
|
|
$ |
6,653,616 |
|
|
$ |
997,421 |
|
Assets under management or administration |
|
|
18,785,619 |
|
|
|
18,042,973 |
|
|
|
742,646 |
|
| |
(1)Cash basis results exclude goodwill and core deposit intangible amortization and balances. |
|
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Equal Housing Lender | Member FDIC
