Exhibit 99

CONTACT:	Michael S. Piemonte	FOR IMMEDIATE RELEASE:
	(716) 842-5138	January 12, 2004

M&T BANK CORPORATION ANNOUNCES 2003 RESULTS

     BUFFALO, NEW YORK — M&T Bank Corporation (“M&T”)(NYSE: MTB) today reported its results of operations for 2003.

     GAAP Results of Operations. Diluted earnings per share measured in accordance with generally accepted accounting principles (“GAAP”) for 2003 were $4.95, up 4% from $4.78 in 2002. On the same basis, net income for 2003 totaled $574 million, 26% higher than the $457 million earned in 2002. GAAP-basis net income for 2003 expressed as a rate of return on average assets and average common stockholders’ equity was 1.27% and 11.62%, respectively, compared with 1.43% and 15.09%, respectively, in 2002.

     M&T’s financial results for 2003 reflect the impact of operations obtained in the April 1, 2003 acquisition of Allfirst Financial Inc. (“Allfirst”) and the related issuance by M&T of 26.7 million common shares on that date. Merger-related expenses in 2003 were $39 million, after applicable tax effect, or $.34 per diluted share. Such expenses represent costs for professional services, travel, and other expenses associated with the acquisition, the related integration of data processing and other operating systems and functions with those of M&T, and the commencement of M&T operations in market areas formerly served by Allfirst. There were no similar expenses in 2002.

     GAAP-basis diluted earnings per share for the fourth quarter of 2003 rose 8% to $1.35 from $1.25 in the similar 2002 period. On the same basis, net income for the recently completed quarter

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totaled $167 million, 41% higher than $119 million in the final quarter of 2002. During the fourth quarter of 2003, M&T incurred merger-related expenses associated with the Allfirst acquisition totaling $2 million, after applicable tax effect, or $.01 per diluted share. M&T does not expect to incur any significant additional merger-related expenses relating to the Allfirst transaction. GAAP-basis net income for 2003’s final quarter expressed as an annualized rate of return on average assets and average common stockholders’ equity was 1.35% and 11.77%, respectively, compared with 1.42% and 15.00%, respectively, in the corresponding 2002 period.

     Supplemental Reporting of Non-GAAP Results of Operations. Since 1998, M&T has consistently provided supplemental reporting of its results on a “net operating” or “tangible” basis, from which M&T excludes the after-tax effect of amortization of core deposit and other intangible assets (and the related goodwill, core deposit intangible and other intangible asset balances, net of applicable deferred tax amounts) and expenses associated with merging acquired operations into M&T, since such expenses are considered by management to be “nonoperating” in nature. Although “net operating income” as defined by M&T is not a GAAP measure, M&T’s management believes that this information helps investors understand the effect of acquisition activity in reported results. Amortization of core deposit and other intangible assets, after tax effect, totaled $13 million ($.11 per diluted share) in the fourth quarter of 2003, compared with $7 million ($.07 per diluted share) in the year-earlier quarter. Similar amortization charges, after tax effect, for the years ended December 31, 2003 and 2002 were $48 million ($.41 per diluted share) and $32 million ($.34 per diluted share), respectively.

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     Diluted net operating earnings per share, which exclude the impact of amortization of core deposit and other intangible assets and the previously noted merger-related expenses, were $5.70 for 2003, up 11% from $5.12 in 2002. Net operating income for 2003 was $661 million, 35% above $489 million for 2002. Expressed as a rate of return on average tangible assets and average tangible stockholders’ equity, net operating income was 1.55% and 28.49%, respectively, in 2003, compared with 1.59% and 26.71% in 2002.

     For the final quarter of 2003, diluted net operating earnings per share were $1.47, up 11% from $1.32 in the comparable 2002 period. Net operating income for the fourth quarter of 2003 rose to $182 million, 44% higher than $126 million in the corresponding 2002 period. For the three-month period ended December 31, 2003, net operating income expressed as an annualized rate of return on average tangible assets and average tangible equity was 1.57% and 28.33%, respectively, compared with 1.56% and 25.54% in the year-earlier period.

     Robert G. Wilmers, M&T’s Chairman, President and Chief Executive Officer, commented, “The planning for and execution of the Allfirst merger was clearly M&T’s most significant event in 2003. While the ultimate success of this merger will be measured over several years, we are very pleased with the results experienced to date, both financially and in the integration of Allfirst’s operations with those of M&T.”

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     Reconciliation of GAAP and Non-GAAP Results of Operations. A reconciliation of diluted earnings per share and net income with diluted net operating earnings per share and net operating income follows:

	Three months ended				Year ended
	December 31				December 31
	2003		2002		2003		2002
	(in thousands, except per share)
Diluted earnings per share	$	1.35		1.25		4.95		4.78
Amortization of core deposit and other intangible assets(1)		.11		.07		.41		.34
Merger-related expenses(1)		.01		—		.34		—
Diluted net operating earnings per share	$	1.47		1.32		5.70		5.12
Net income	$	166,901		118,551		573,942		456,752
Amortization of core deposit and other intangible assets(1)		13,059		7,209		47,826		32,491
Merger-related expenses(1)		1,634		—		39,163		—
Net operating income	$	181,594		125,760		660,931		489,243

(1) After any related tax effect

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     Reconciliation of Total Assets and Equity to Tangible Assets and Equity. A reconciliation of average assets and equity with average tangible assets and average tangible equity follows:

	Three months ended						Year ended
	December 31						December 31
	2003			2002			2003			2002
	(in millions)
Average assets	$	49,123			33,174			45,349			31,935
Goodwill		(2,904	)		(1,098	)		(2,456	)		(1,098	)
Core deposit and other intangible assets		(251	)		(124	)		(233	)		(143	)
Deferred taxes		—			40			—			46
Average tangible assets	$	45,968			31,992			42,660			30,740
Average equity	$	5,625			3,135			4,941			3,026
Goodwill		(2,904	)		(1,098	)		(2,456	)		(1,098	)
Core deposit and other intangible assets		(251	)		(124	)		(233	)		(143	)
Deferred taxes		73			40			68			46
Average tangible equity	$	2,543			1,953			2,320			1,831

     Accounting for Stock-Based Compensation. Effective January 1, 2003, M&T began expensing stock-based compensation in accordance with the fair value method of accounting described in Statement of Financial Accounting Standards (“SFAS”) No. 123, “Accounting for Stock-Based Compensation,” as amended. As a result, salaries and employee benefits expense in 2003 included $43 million of stock-based compensation, including $12 million in the recent quarter. After tax effect, stock-based compensation lowered 2003’s net income by $32 million ($.27 per diluted share). Net income for the fourth quarter of 2003 was lowered by $8 million ($.07 per diluted share) as a result of stock-based compensation. Using the retroactive restatement method described in SFAS No. 148, which amended SFAS No. 123, salaries and employee benefits expense for 2002 was restated to include $41 million of stock-based compensation, resulting in a reduction of previously reported net income of $28 million, or $.29 per diluted share.

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Stock-based compensation expense reflected in M&T’s results of operations for the fourth quarter of 2002 was $10 million (pre-tax), or $7 million and $.08 per diluted share after applicable income tax effect. Stock-based compensation expenses are reflected in both the GAAP and supplemental non-GAAP results of operations discussed herein.

     Taxable-equivalent Net Interest Income. Growth in average loans outstanding resulted in a rise in taxable-equivalent net interest income of 28% to $1.62 billion in 2003 from $1.26 billion in 2002. Including the impact of the $10.3 billion of loans obtained in the April 1, 2003 acquisition of Allfirst, average loans outstanding increased 33% to $34.0 billion in 2003 from $25.5 billion in 2002. Net interest margin, or taxable-equivalent net interest income expressed as a percentage of average earning assets, declined to 4.09% in 2003 from 4.36% in the year-earlier period. The decrease in net interest margin was largely the result of the yields on earning assets and rates paid on interest-bearing liabilities obtained in the Allfirst acquisition.

     During the fourth quarter of 2003, taxable-equivalent net interest income was $425 million, average loans outstanding totaled $36.4 billion and the annualized net interest margin was 3.96%. In 2002’s final quarter, which did not include any Allfirst-related amounts, taxable-equivalent net interest income was $325 million, average loans outstanding were $25.9 billion, and the net interest margin was 4.28%. Average loan balances in 2003 and 2002 reflect fourth quarter transactions in each year in which M&T converted residential real estate loans of $1.3 billion and $1.1 billion, respectively, into mortgage-backed securities.

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M&T BANK CORPORATION

     Provision for Credit Losses/Asset Quality. The provision for credit losses was $131 million in 2003, up from $122 million in 2002. Net charge-offs of loans during the recent year totaled $97 million, or .28% of average loans outstanding, compared with $108 million or .42% of average loans in 2002. The provision for credit losses was $28 million and $33 million during the final quarter of 2003 and 2002, respectively. Net charge-offs were $32 million in the fourth quarter of 2003, or an annualized .35% of average loans outstanding, compared with $31 million or .48% during 2002’s final quarter. Net charge-offs of loans acquired from Allfirst during 2003 were not significant.

     Loans classified as nonperforming totaled $240 million, or .67% of total loans at December 31, 2003, compared with $215 million or .84% a year earlier. Loans past due 90 days or more and accruing interest were $155 million at the recent year-end, little changed from $154 million a year earlier. Included in the past due but accruing amounts were loans guaranteed by government-related entities of $125 million and $129 million at December 31, 2003 and 2002, respectively. Nonperforming loans and loans past due 90 days or more and accruing interest at December 31, 2003 included loans obtained in the Allfirst acquisition of $67 million and $17 million, respectively. Assets taken in foreclosure of defaulted loans were $20 million at December 31, 2003, compared with $17 million at December 31, 2002.

     Allowance for Credit Losses. The allowance for credit losses totaled $614 million, or 1.72% of total loans, at December 31, 2003, compared with $436 million, or 1.70%, a year earlier. On the April 1, 2003 acquisition date, Allfirst had an allowance for credit losses of $146 million, or 1.43% of Allfirst’s loans then outstanding. Immediately following the April 1 merger, the combined balance sheet of M&T and Allfirst included an allowance

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for credit losses of $591 million that was equal to 1.62% of the $36.5 billion of then outstanding loans. The ratio of M&T’s allowance for credit losses to nonperforming loans was 256% and 203% at December 31, 2003 and 2002, respectively.

     Noninterest Income and Expense. Noninterest income in 2003 grew to $831 million, 62% higher than $512 million in 2002. Approximately $279 million of the increase was attributable to revenues related to operations in market areas associated with the former Allfirst franchise. Higher mortgage banking revenues and service charges on deposit accounts also contributed to the improvement. As a result of Allfirst-related revenues, noninterest income of $234 million in the fourth quarter of 2003 was up 69% from $138 million in the corresponding quarter of 2002.

     Noninterest expense in 2003 totaled $1.45 billion, 51% higher than $962 million in 2002. Included in such amounts are expenses considered to be “nonoperating” in nature, consisting of the previously noted amortization of core deposit and other intangible assets of $78 million in 2003 and $51 million in 2002, and merger-related expenses of $60 million in 2003. There were no merger-related expenses in 2002. Exclusive of these nonoperating expenses, noninterest operating expenses were $1.31 billion in 2003, compared with $910 million in 2002. The increase in operating expenses was largely related to operations formerly associated with Allfirst. Partially offsetting these higher expenses were lower charges for impairment of capitalized residential mortgage servicing rights. Such charges totaled $2 million in 2003 and $32 million in 2002. The impairment charges resulted from changes in the estimated fair value of capitalized mortgage servicing rights that reflect the impact of changing interest rates on the expected rate of residential mortgage loan

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prepayments. Capitalized residential mortgage servicing rights, net of an impairment valuation allowance, are included in “other assets” in M&T’s consolidated balance sheet and totaled $129 million and $103 million at December 31, 2003 and 2002, respectively. Residential mortgage loans serviced for others totaled approximately $13 billion at December 31, 2003 and 2002.

     Noninterest expense in the fourth quarter of 2003 totaled $378 million, compared with $251 million in the year-earlier quarter. Included in such amounts were amortization of core deposit and other intangible assets of $21 million in 2003 and $12 million in 2002, and merger-related expenses of $3 million in 2003. Exclusive of these nonoperating expenses, noninterest operating expenses were $354 million in the recently completely quarter, compared with $239 million in the final quarter of 2002. The increase in operating expenses was largely related to operations formerly related to Allfirst. Changes in the estimated fair value of capitalized mortgage servicing rights also affected M&T’s expenses in the fourth quarters of 2003 and 2002. Those expenses in the fourth quarter of 2003 reflect a $4 million reduction in total expenses resulting from a partial reversal of the valuation allowance for possible impairment of capitalized residential mortgage servicing rights, while a $13 million increase in the valuation allowance in 2002’s fourth quarter added to total expenses.

     The efficiency ratio, or noninterest operating expenses divided by the sum of taxable-equivalent net interest income and noninterest income (exclusive of gains and losses from sales of bank investment securities), measures the relationship of operating expenses to revenues. M&T’s efficiency ratio was 53.6% in 2003, compared with 51.3% in 2002. During 2003’s fourth quarter, M&T’s efficiency ratio was 53.9%, compared with 51.7% in the year-earlier

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quarter. The higher ratios in 2003 reflect the impact of the acquired Allfirst operations that are now a part of M&T.

     Balance Sheet. M&T’s total assets rose 50% to $49.8 billion at December 31, 2003 from $33.2 billion a year earlier. Loans and leases, net of unearned discount, were $35.8 billion at the 2003 year-end, up 39% from $25.7 billion at December 31, 2002. Deposits increased to $33.1 billion at December 31, 2003 from $21.7 billion at the end of 2002. Total assets, loans and deposits obtained in the Allfirst transaction were $16 billion, $10 billion and $11 billion, respectively. Total stockholders’ equity was $5.7 billion at December 31, 2003, representing 11.47% of total assets, compared with $3.2 billion or 9.66% a year earlier. Common stockholders’ equity per share was $47.55 and $34.82 at December 31, 2003 and 2002, respectively. Tangible equity per common share was $21.97 at December 31, 2003, compared with $22.04 at December 31, 2002. In the calculation of tangible equity per common share, stockholders’ equity is reduced by the carrying values of goodwill and core deposit and other intangible assets, net of applicable deferred tax balances, which aggregated $3.1 billion and $1.2 billion at December 31, 2003 and 2002, respectively.

     Looking forward to 2004, Michael P. Pinto, M&T’s Executive Vice President and Chief Financial Officer, noted, “We expect that the economy and the overall business environment in 2004 will present many challenges for regional banks and other financial institutions. M&T will, of course, not be immune to these challenges. Subject to the impact of actual events and circumstances that may occur throughout this year, our present estimate of GAAP-basis diluted earnings per share for 2004 is in the range of $5.90 to $6.10.”

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     Conference Call. Investors will have an opportunity to listen to M&T’s conference call to discuss fourth quarter and full year financial results at 10:00 a.m. Eastern Time today, January 12, 2004. Those wishing to participate in the call may dial 877-780-2276. International participants, using any applicable international calling codes, may dial 973-582-2700. The conference call will be webcast live on M&T’s website at http://ir.mandtbank.com/conference.cfm. A replay of the call will be available until January 13, 2004 by calling 877-519-4471, code 4399838 and 973-341-3080 for international participants. The event will also be archived and available by 1:00 p.m. today on M&T’s website at http://ir.mandtbank.com/conference.cfm.

     Forward-Looking Statements. This news release contains forward-looking statements that are based on current expectations, estimates and projections about M&T’s business, management’s beliefs and assumptions made by management. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions (“Future Factors”) which are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed or forecasted in such forward-looking statements.

     Future Factors include changes in interest rates, spreads on earning assets and interest-bearing liabilities, and interest rate sensitivity; credit losses; sources of liquidity; common shares outstanding; common stock price volatility; fair value of and number of stock options to be issued in future periods; legislation affecting the financial services industry as a whole, and M&T and its subsidiaries individually or collectively; regulatory supervision and oversight, including required capital levels; increasing price and product/service competition by

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competitors, including new entrants; rapid technological developments and changes; the ability to continue to introduce competitive new products and services on a timely, cost-effective basis; the mix of products/services; containing costs and expenses; governmental and public policy changes, including environmental regulations; protection and validity of intellectual property rights; reliance on large customers; technological, implementation and cost/financial risks in large, multi-year contracts; the outcome of pending and future litigation and governmental proceedings; continued availability of financing; financial resources in the amounts, at the times and on the terms required to support M&T and its subsidiaries’ future businesses; and material differences in the actual financial results of merger and acquisition activities compared with M&T’s expectations, including the full realization of anticipated cost savings and revenue enhancements.

     These are representative of the Future Factors that could affect the outcome of the forward-looking statements. In addition, such statements could be affected by general industry and market conditions and growth rates, general economic and political conditions, including interest rate and currency exchange rate fluctuations, and other Future Factors.

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M&T BANK CORPORATION
Financial Highlights

		Three months ended									Year ended
		December 31									December 31
Amounts in thousands, except per share		2003			2002			Change			2003			2002			Change
Performance
Net income		$	166,901			118,551			41	%	$	573,942			456,752			26	%
Per common share:
	Basic earnings	$	1.39			1.29			8	%	$	5.08			4.94			3	%
	Diluted earnings		1.35			1.25			8			4.95			4.78			4
	Cash dividends	$	.30			.30			-		$	1.20			1.05			14
Common shares outstanding:
	Average - diluted (1)		123,328			94,950			30	%		115,932			95,522			21	%
	Period end (2)		120,231			92,155			30			120,231			92,155			30
Return on (annualized):
	Average total assets		1.35	%		1.42	%					1.27	%		1.43	%
	Average common stockholders’ equity		11.77	%		15.00	%					11.62	%		15.09	%
Taxable-equivalent net interest income		$	425,500			325,157			31	%	$	1,615,068			1,261,634			28	%
Yield on average earning assets			5.16	%		6.08	%					5.42	%		6.42	%
Cost of interest-bearing liabilities			1.48	%		2.09	%					1.61	%		2.39	%
Net interest spread			3.68	%		3.99	%					3.81	%		4.03	%
Contribution of interest-free funds			.28	%		.29	%					.28	%		.33	%
Net interest margin			3.96	%		4.28	%					4.09	%		4.36	%
Net charge-offs to average total net loans (annualized)			.35	%		.48	%					.28	%		.42	%
Net operating results (3)
Net operating income		$	181,594			125,760			44	%	$	660,931			489,243			35	%
Diluted net operating earnings per common share			1.47			1.32			11			5.70			5.12			11
Return on (annualized):
	Average tangible assets		1.57	%		1.56	%					1.55	%		1.59	%
	Average tangible common equity		28.33	%		25.54	%					28.49	%		26.71	%
Efficiency ratio			53.93	%		51.65	%					53.59	%		51.30	%

		At December 31
Loan quality		2003			2002			Change
Nonaccrual loans		$	232,983			207,038			13	%
Renegotiated loans			7,309			8,252			-11
	Total nonperforming loans	$	240,292			215,290			12	%
Accruing loans past due 90 days or more		$	154,759			153,803			1	%
Nonperforming loans to total net loans			.67	%		.84	%
Allowance for credit losses to total net loans			1.72	%		1.70	%

(1)	Includes common stock equivalents.
(2)	Includes common stock issuable under deferred compensation plans.
(3)	Excludes merger-related expenses and amortization and balances related to goodwill and core deposit and other intangible assets which, except in the calculation of the efficiency ratio, are net of applicable income tax effects. A reconciliation of net income and net operating income appears on page 4.

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M&T BANK CORPORATION
Condensed Consolidated Statement of Income

			Three months ended							Year ended
			December 31							December 31
Dollars in thousands			2003		2002		Change			2003		2002			Change
Interest income			$	550,473		458,216		20	%	$	2,126,565		1,842,099			15	%
Interest expense				129,173		136,358		-5			527,810		594,514			-11
Net interest income				421,300		321,858		31			1,598,755		1,247,585			28
Provision for credit losses				28,000		33,000		-15			131,000		122,000			7
Net interest income after provision for credit losses				393,300		288,858		36			1,467,755		1,125,585			30
Other income
	Mortgage banking revenues			31,944		34,879		-8			149,105		116,408			28
	Service charges on deposit accounts			89,591		44,123		103			309,749		167,531			85
	Trust income			34,467		14,475		138			114,620		60,030			91
	Brokerage services income			13,455		9,209		46			51,184		43,261			18
	Trading account and foreign exchange gains			4,993		1,144		336			15,989		2,860			459
	Gain (loss) on sales of bank investment securities			1,946		51		—			2,487		(608	)		—
	Other revenues from operations			57,361		34,297		67			187,961		122,449			54
		Total other income		233,757		138,178		69			831,095		511,931			62
Other expense
	Salaries and employee benefits			196,651		124,447		58			740,324		496,990			49
	Equipment and net occupancy			47,126		26,818		76			170,623		107,822			58
	Printing, postage and supplies			9,954		6,486		53			36,985		25,378			46
	Amortization of core deposit and other intangible assets			21,345		11,788		81			78,152		51,484			52
	Other costs of operations			103,279		81,550		27			422,096		279,937			51
		Total other expense		378,355		251,089		51			1,448,180		961,611			51
Income before income taxes				248,702		175,947		41			850,670		675,905			26
Applicable income taxes				81,801		57,396		43			276,728		219,153			26
Net income			$	166,901		118,551		41	%	$	573,942		456,752			26	%
Summary of merger-related expenses included above:
	Salaries and employee benefits		$	426		—				$	8,542		—
	Equipment and net occupancy			472		—					2,126		—
	Printing, postage and supplies			241		—					3,216		—
	Other costs of operations			1,394		—					46,503		—
		Total merger-related expenses	$	2,533		—				$	60,387		—

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M&T BANK CORPORATION
Condensed Consolidated Balance Sheet

		December 31
Dollars in thousands		2003		2002		Change
ASSETS
Cash and due from banks		$	1,877,494		963,772		95	%
Money-market assets			250,315		379,843		-34
Investment securities			7,259,150		3,955,150		84
Loans and leases, net of unearned discount			35,772,435		25,727,784		39
	Less: allowance for credit losses		614,058		436,472		41
	Net loans and leases		35,158,377		25,291,312		39
Goodwill			2,904,081		1,097,553		165
Core deposit and other intangible assets			240,830		118,790		103
Other assets			2,135,834		1,394,761		53
	Total assets	$	49,826,081		33,201,181		50	%
LIABILITIES AND STOCKHOLDERS’ EQUITY
Noninterest-bearing deposits at U.S. offices		$	8,411,296		4,072,085		107	%
Other deposits at U.S. offices			22,494,197		16,432,122		37
Deposits at foreign office			2,209,451		1,160,716		90
	Total deposits		33,114,944		21,664,923		53
Short-term borrowings			4,442,246		3,429,414		30
Accrued interest and other liabilities			1,016,256		400,991		153
Long-term borrowings			5,535,425		4,497,374		23
	Total liabilities		44,108,871		29,992,702		47
Stockholders’ equity (1)			5,717,210		3,208,479		78
	Total liabilities and stockholders’ equity	$	49,826,081		33,201,181		50	%

(1) Reflects accumulated other comprehensive income, net of applicable income taxes, of $25.7 million at December 31, 2003 and $54.8 million at December 31, 2002.

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M&T BANK CORPORATION
Condensed Consolidated Average Balance Sheet
and Annualized Taxable-equivalent Rates

			Three months ended													Year ended
			December 31													December 31
Dollars in millions			2003					2002								2003					2002
			Balance		Rate			Balance		Rate			Change in balance			Balance		Rate			Balance		Rate			Change in balance
ASSETS
Money-market assets			$	99		1.00	%		509		1.47	%		-81	%	$	216		1.24	%		291		1.64	%		-26	%
Investment securities				6,212		3.98			3,745		5.23			66			5,344		4.40			3,123		5.63			71
Loans and leases, net of unearned discount
	Commercial, financial, etc.			9,202		4.00			5,273		4.83			75			8,523		4.21			5,146		5.09			66
	Real estate - commercial			12,344		5.86			9,650		6.76			28			11,573		6.10			9,498		6.96			22
	Real estate - consumer			3,758		6.06			3,638		6.70			3			3,777		6.15			4,087		6.98			-8
	Consumer			11,057		5.79			7,303		6.63			51			10,098		6.02			6,776		6.89			49
		Total loans and leases, net		36,361		5.37			25,864		6.29			41			33,971		5.61			25,507		6.57			33
	Total earning assets			42,672		5.16			30,118		6.08			42			39,531		5.42			28,921		6.42			37
Goodwill				2,904					1,098					165			2,456					1,098					124
Core deposit and other intangible assets				251					124					101			233					143					62
Other assets				3,296					1,834					80			3,129					1,773					77
	Total assets		$	49,123					33,174					48	%	$	45,349					31,935					42	%
LIABILITIES AND STOCKHOLDERS’ EQUITY
Interest-bearing deposits
	NOW accounts		$	1,160		.33			794		.45			46	%	$	1,021		.35			761		.51			34	%
	Savings deposits			14,674		.70			9,355		1.08			57			13,278		.77			8,899		1.21			49
	Time deposits			6,440		2.29			6,673		2.75			-3			6,638		2.41			7,398		3.20			-10
	Deposits at foreign office			2,378		.96			934		1.43			154			1,445		1.04			569		1.49			154
		Total interest-bearing deposits		24,652		1.12			17,756		1.70			39			22,382		1.25			17,627		2.02			27
Short-term borrowings				4,162		1.02			3,651		1.50			14			4,331		1.13			3,125		1.69			39
Long-term borrowings				5,922		3.27			4,486		4.11			32			6,018		3.29			4,162		4.45			45
Total interest-bearing liabilities				34,736		1.48			25,893		2.09			34			32,731		1.61			24,914		2.39			31
Noninterest-bearing deposits				7,705					3,752					105			6,801					3,618					88
Other liabilities				1,057					394					168			876					377					132
	Total liabilities			43,498					30,039					45			40,408					28,909					40
Stockholders’ equity				5,625					3,135					79			4,941					3,026					63
	Total liabilities and stockholders’ equity		$	49,123					33,174					48	%	$	45,349					31,935					42	%
Net interest spread						3.68					3.99								3.81					4.03
Contribution of interest-free funds						.28					.29								.28					.33
Net interest margin						3.96	%				4.28	%							4.09	%				4.36	%

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