Exhibit 99 (d)

WACHOVIA CORPORATION AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEETS

(Unaudited)

	2003									2002
(In millions, except per share data)	Fourth Quarter			Third Quarter		Second Quarter		First Quarter		Fourth Quarter
ASSETS
Cash and due from banks	$	11,479		11,178		13,088		13,161		12,264
Interest-bearing bank balances		2,308		3,664		7,539		4,855		3,512
Federal funds sold and securities purchased under resale agreements		24,725		22,491		13,854		11,092		9,160
Total cash and cash equivalents		38,512		37,333		34,481		29,108		24,936
Trading account assets		34,714		36,392		40,436		34,678		33,155
Securities		100,279		87,176		73,764		73,339		75,804
Loans, net of unearned income		165,571		165,925		162,833		164,222		163,097
Allowance for loan losses		(2,504	)	(2,631	)	(2,704	)	(2,747	)	(2,798	)
Loans, net		163,067		163,294		160,129		161,475		160,299
Premises and equipment		4,619		4,746		4,635		5,118		4,903
Due from customers on acceptances		854		732		1,074		1,485		1,051
Goodwill		11,149		11,094		10,907		10,869		10,880
Other intangible assets		1,243		1,353		1,321		1,445		1,554
Other assets		46,429		46,647		37,538		30,547		29,257
Total assets	$	400,866		388,767		364,285		348,064		341,839
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits
Noninterest-bearing deposits		48,683		45,493		48,081		46,348		44,640
Interest-bearing deposits		172,542		158,002		153,211		149,489		146,878
Total deposits		221,225		203,495		201,292		195,837		191,518
Short-term borrowings		71,290		65,474		49,123		44,812		41,173
Bank acceptances outstanding		876		743		1,078		1,492		1,061
Trading account liabilities		19,184		23,959		25,141		20,896		22,900
Other liabilities		16,728		22,643		17,287		13,039		12,944
Long-term debt		36,730		37,541		37,051		39,204		39,662
Total liabilities		366,033		353,855		330,972		315,280		309,258
Minority interest		2,510		2,099		849		517		503
STOCKHOLDERS’ EQUITY
Dividend Equalization Preferred shares, no par value, 97 million shares issued and outstanding at December 31, 2003		—		—		—		—		—
Common stock, $3.33-1/3 par value; authorized 3 billion shares, outstanding 1.312 billion shares at December 31, 2003		4,374		4,427		4,440		4,484		4,524
Paid-in capital		17,811		17,882		17,784		17,903		18,070
Retained earnings		8,904		8,829		8,106		7,778		7,349
Accumulated other comprehensive income, net		1,234		1,675		2,134		2,102		2,135
Total stockholders’ equity		32,323		32,813		32,464		32,267		32,078
Total liabilities and stockholders’ equity	$	400,866		388,767		364,285		348,064		341,839

WACHOVIA CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

	2003									2002
(In millions, except per share data)	Fourth Quarter			Third Quarter		Second Quarter		First Quarter		Fourth Quarter
INTEREST INCOME
Interest and fees on loans	$	2,357		2,352		2,391		2,407		2,538
Interest and dividends on securities		1,104		885		900		939		978
Trading account interest		189		174		182		179		165
Other interest income		301		301		223		196		203
Total interest income		3,951		3,712		3,696		3,721		3,884
INTEREST EXPENSE
Interest on deposits		568		534		619		639		832
Interest on short-term borrowings		311		317		303		288		275
Interest on long-term debt		195		208		234		257		280
Total interest expense		1,074		1,059		1,156		1,184		1,387
Net interest income		2,877		2,653		2,540		2,537		2,497
Provision for loan losses		86		81		195		224		308
Net interest income after provision for loan losses		2,791		2,572		2,345		2,313		2,189
FEE AND OTHER INCOME
Service charges		436		439		426		430		421
Other banking fees		241		257		248		233		236
Commissions		752		732		459		412		454
Fiduciary and asset management fees		667		657		470		464		447
Advisory, underwriting and other investment banking fees		231		216		220		145		190
Trading account profits (losses)		5		(46	)	49		77		(69	)
Principal investing		(13	)	(25	)	(57	)	(44	)	(105	)
Securities gains (losses)		(24	)	22		10		37		46
Other income		296		351		320		301		332
Total fee and other income		2,591		2,603		2,145		2,055		1,952
NONINTEREST EXPENSE
Salaries and employee benefits		2,152		2,109		1,748		1,699		1,681
Occupancy		244		220		190		197		202
Equipment		285		264		238		234		255
Advertising		56		38		34		32		16
Communications and supplies		153		156		136		141		143
Professional and consulting fees		145		109		104		99		126
Other intangible amortization		120		127		131		140		147
Merger-related and restructuring expenses		135		148		96		64		145
Sundry expense		463		386		311		288		322
Total noninterest expense		3,753		3,557		2,988		2,894		3,037
Minority interest in income of consolidated subsidiaries		63		55		16		9		5
Income before income taxes and cumulative effect of a change in accounting principle		1,566		1,563		1,486		1,465		1,099
Income taxes		466		475		454		438		204
Income before cumulative effect of a change in accounting principle		1,100		1,088		1,032		1,027		895
Cumulative effect of a change in accounting principle, net of income taxes		—		17		—		—		—
Net income		1,100		1,105		1,032		1,027		895
Dividends on preferred stock		—		—		1		4		4
Net income available to common stockholders	$	1,100		1,105		1,031		1,023		891
PER COMMON SHARE DATA
Basic
Income before change in accounting principle	$	0.84		0.83		0.77		0.77		0.66
Net income		0.84		0.84		0.77		0.77		0.66
Diluted
Income before change in accounting principle		0.83		0.82		0.77		0.76		0.66
Net income		0.83		0.83		0.77		0.76		0.66
Cash dividends	$	0.35		0.35		0.29		0.26		0.26
AVERAGE COMMON SHARES
Basic		1,311		1,321		1,333		1,335		1,350
Diluted		1,332		1,338		1,346		1,346		1,360

WACHOVIA CORPORATION AND SUBSIDIARIES

CONSOLIDATED STATEMENTS OF INCOME

(Unaudited)

	Years Ended December 31,
(In millions, except per share data)	2003			2002
INTEREST INCOME
Interest and fees on loans	$	9,507		10,296
Interest and dividends on securities		3,828		3,675
Trading account interest		724		711
Other interest income		1,021		950
Total interest income		15,080		15,632
INTEREST EXPENSE
Interest on deposits		2,360		3,430
Interest on short-term borrowings		1,219		1,105
Interest on long-term debt		894		1,142
Total interest expense		4,473		5,677
Net interest income		10,607		9,955
Provision for loan losses		586		1,479
Net interest income after provision for loan losses		10,021		8,476
FEE AND OTHER INCOME
Service charges		1,731		1,698
Other banking fees		979		945
Commissions		2,355		1,783
Fiduciary and asset management fees		2,258		1,885
Advisory, underwriting and other investment banking fees		812		681
Trading account profits (losses)		85		(109	)
Principal investing		(139	)	(266	)
Securities gains		45		169
Other income		1,268		1,087
Total fee and other income		9,394		7,873
NONINTEREST EXPENSE
Salaries and employee benefits		7,708		6,597
Occupancy		851		786
Equipment		1,021		946
Advertising		160		80
Communications and supplies		586		545
Professional and consulting fees		457		421
Other intangible amortization		518		628
Merger-related and restructuring expenses		443		387
Sundry expense		1,448		1,286
Total noninterest expense		13,192		11,676
Minority interest in income of consolidated subsidiaries		143		6
Income before income taxes and cumulative effect of a change in accounting principle		6,080		4,667
Income taxes		1,833		1,088
Income before cumulative effect of a change in accounting principle		4,247		3,579
Cumulative effect of a change in accounting principle, net of income taxes		17		—
Net income		4,264		3,579
Dividends on preferred stock		5		19
Net income available to common stockholders	$	4,259		3,560
PER COMMON SHARE DATA
Basic
Income before change in accounting principle	$	3.20		2.62
Net income		3.21		2.62
Diluted
Income before change in accounting principle		3.17		2.60
Net income		3.18		2.60
Cash dividends	$	1.25		1.00
AVERAGE COMMON SHARES
Basic		1,325		1,356
Diluted		1,340		1,369