-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, HPE43jx2xCQLl3G/XS5F6+C3Q9Zsfi8T8o08VfQj7l/lv3nMXCvyhqRMnrRFVzmm LG8pZSvqvP3ZQyoB9rvwvA== 0000927089-02-000017.txt : 20020414 0000927089-02-000017.hdr.sgml : 20020414 ACCESSION NUMBER: 0000927089-02-000017 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 3 CONFORMED PERIOD OF REPORT: 20020122 ITEM INFORMATION: Other events ITEM INFORMATION: Financial statements and exhibits FILED AS OF DATE: 20020201 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CHARTER ONE FINANCIAL INC CENTRAL INDEX KEY: 0000819692 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 341567092 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-15495 FILM NUMBER: 02524701 BUSINESS ADDRESS: STREET 1: 1215 SUPERIOR AVE CITY: CLEVELAND STATE: OH ZIP: 44114 BUSINESS PHONE: 2165665300 MAIL ADDRESS: STREET 1: 1215 SUPERIOR AVENUE STREET 2: 1215 SUPERIOR AVENUE CITY: CLEVELAND STATE: OH ZIP: 44114 8-K 1 c-8k0131.htm

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549



FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934



Date of Report (date of earliest event reported)

January 22, 2002



CHARTER ONE FINANCIAL, INC.
(Exact name of Registrant as specified in its Charter)



Delaware
001-15495
34-1567092
(State or other
jurisdiction of
incorporation)		(Commission
File No.)		(IRS Employer
Identification
Number)


1215 Superior Avenue, Cleveland, Ohio
44114
(Address of principal executive offices)(Zip Code)


Registrant's telephone number, including area code: (216) 566-5300

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ITEM 5. OTHER EVENTS.

       The Registrant's earnings press release dated January 22, 2002, a copy of which is attached hereto as Exhibit 99.1, is hereby incorporated herein by reference, except for the information in the press release contained under the caption "Outlook."


ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS.

(c) The following exhibit is filed as part of this Report:

99.1 Press Release dated January 22, 2002.



SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned thereunto duly authorized.

CHARTER ONE FINANCIAL, INC.



Date:     January 31, 2002By:   /s/ Robert J. Vana
       Robert J. Vana
       Senior Vice President, Chief
       Corporate Counsel and Corporate Secretary


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EXHIBIT INDEX

Exhibit No.Description


99.1Press Release Dated January 22, 2002.


 EX-99 3 ex-99.htm

News Release

CONTACT:  ELLEN BATKIE     (800) 262-6301


CHARTER ONE REPORTS RECORD 4th QTR EPS OF $.59, UP 20%

Highlights for the quarter ended 12/31/01:

  • Net earnings a record $.59 per share, up 20% over 4th quarter 2000
  • Net yield at 12/31/01 of 3.38%, up from 3.21% at 9/30/01 and 2.91% at 12/31/00
  • Net interest income up 11% from the 3rd quarter, and 30% from 4th quarter 2000
  • Retail banking revenue up 11% from the 3rd quarter, and 22% from 4th quarter 2000
  • Total deposits, excluding acquisitions, up $768 million or 3% in quarter, up 17% in year
  • Core deposits, excluding acquisitions, up $1.2 billion or 9% in quarter, up 48% in year
  • Loan originations of $4.9 billion, up from $4.5 billion in 3rd quarter, and $2.8 billion in 4th quarter 2000
  • Non single-family loan portfolio up 19% in the year, now 61% of total loans
  • Net charge-offs of .29% in the quarter, significantly below industry average
  • Reserve to loans strengthened to .98%, up from .78% at 12/31/00

CLEVELAND, Ohio, January 22, 2002 -- Charter One Financial, Inc. (NYSE:CF), the holding company of Charter One Bank, F.S.B., today reported net income of $135 million for the three months ended December 31, 2001, or a record $.59 per diluted share. This was up 20% from $.49 in net earnings per diluted share reported in the year ago quarter, and up 3.5% from $.57 in the third quarter of 2001. All per share data have been restated for the 5% stock dividend paid on September 28, 2001.

Net income for the quarter generated annualized returns of 1.44% on average assets, 17.67% on average equity, and 20.18% on average tangible equity. These compared with returns of 1.33% on average assets, 18.26% on average equity and 20.18% on average tangible equity in the fourth quarter of 2000.

There were several significant components to the fourth-quarter earnings that related primarily to interest rates and the country's economic environment. The rate environment drove residential lending volumes to extraordinary levels and accounted for much higher sales of mortgage-backed securities. The result was $46 million in pre-tax gains from those sales, far above a normal run rate. Offsetting the earnings benefit of these gains was a $20 million increase in loan loss reserves due to the softening economy; a $16.5 million increase in the mortgage servicing rights valuation allowance due to the increase in mortgage prepayment levels; and a $7.5 million contribution to a newly formed charitable foundation.




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Net income for the full-year 2001 topped $500 million for the first time in Charter One's history, reaching $501 million, or $2.21 per diluted share. This represented an 11% increase over 2000's net operating earnings (net income excluding merger-related costs) of $1.99 per share. Returns held steady for the two years, with returns on assets, equity and tangible equity of 1.41%, 18.17% and 20.25% in 2001, compared to operating returns on assets, equity and tangible equity of 1.43%, 18.82% and 20.88% in 2000.

"Charter One's 2001 performance was simply remarkable," commented Charles John Koch, Charter One's Chairman and Chief Executive Officer. "Not only did we surpass every financial and operating performance goal that we established for ourselves as we entered 2001, we also made great strides in achieving our longer term goal of building a fortress-like balance sheet. We posted extraordinary retail deposit growth, which helped move our loan-to-deposit ratio to 101% (from 122% a year ago). Additionally we materially strengthened our loan loss reserves, and maintained one of the strongest tangible capital positions in the financial sector. All of this was accomplished while reporting returns on assets and equity in the upper quartile of the regional banking sector."

Net interest income and net yield - Net interest income was $280 million for the three months ended December 31, 2001, up a noteworthy 11% from $253 million in the third quarter of 2001 and 30% from $215 million in the fourth quarter of 2000. This increase was primarily driven by net yield expanding to 3.38% at December 31, 2001, up from 3.21% at the end of September, and 2.91% at the end of December 2000. Asset growth also contributed to the increase, with average interest earning assets up 2% in the fourth quarter of 2001, and up 13% from the fourth quarter of 2000. The expansion in net yield reflected the significant benefits realized from the maturity and repricing of higher rate certificates of deposit and repricing of core deposits. This also provides a strong foundation going into 2002.

Retail banking revenue - Retail banking revenue is the largest component of recurring noninterest income and totaled $80 million for the three months ended December 31, 2001, up 22% from the comparable 2000 quarter. Retail banking revenue actually includes three separate components: deposit-related revenue ($68 million), fees from retail brokerage activities ($9 million), and other revenue related to retail operations ($3 million). Deposit-related revenue was once again up 20% over the same quarter last year, extending the streak of 20% year-over-year growth. The primary drivers of the increase were debit card and transaction-related revenues, both of which are important elements of the retail banking strategy.

Mortgage banking revenue - The mortgage banking category includes revenue associated with Charter One's mortgage servicing and mortgage banking operations, offset by the amortization of its mortgage servicing rights asset. In the fourth quarter of 2002 the $16.5 million increase in the MSR valuation allowance discussed above exceeded the revenues generated by $3 million. In the year ago quarter, mortgage banking revenue benefited from a $21 million gain on the sale of $3 billion in mortgage servicing. Notwithstanding the high prepayment environment throughout 2001, Charter One's substantial retail mortgage replenishment capabilities resulted in a 33% increase from December 2000 in its portfolio of loans serviced for others, to just under $14 billion.

Net gains (losses) - Historically, Charter One has managed portfolio size and mix through sales of mortgage-backed securities comprised primarily of seasoned bank-originated, fixed-rate mortgage product. These sales generate nearly all of the revenue included as net gains (losses). With lending volumes continuing at record levels, particularly in the consumer-oriented portfolio, the Company remains an excess asset generator, meaning it is generating significantly more residential mortgage



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assets than it needs to meet its balance sheet size and mix objectives. During the fourth quarter of 2001, net gains of $46 million resulted primarily from the sale of $1.9 billion of such securities.

Lending production - Loan and lease originations for the fourth quarter of 2001 were strong at $4.9 billion, capping off a record year of $17.8 billion. Single-family originations remained a significant portion of overall volumes at $2.8 billion in the fourth quarter, and $9.2 billion for the year. Since single-family loans represent an important gateway to the retail consumer and the resulting cross-sell opportunities, healthy origination levels continue to be an important element of Charter One's banking model.

Lending portfolio - Loans and leases before reserves totaled $26.0 billion at December 31, up $1.8 billion, or 7%, from the end of the 2000. The ending balance included $1.4 billion in loans from acquisitions and is after $6.7 billion in single-family and consumer loans securitized during the year. At the end of December, 39% of the loan portfolio was in single-family loans, down from 45% at the end of 2000. At 61% of the portfolio, the non single-family portion of the portfolio totaled $15.8 billion, up 1% during the quarter and 19% since the beginning of the year. Without the acquisitions and securitization activity, the growth rate would have been 23% for the year.

Credit quality and allowance for loan losses - Annualized net charge-offs equaled .29% of average loans for the fourth quarter of 2001, down from .36% in the third quarter, and came in at .27% for the year. This level is roughly one-third the industry average of 1.10% reported for the third quarter of 2001 by the FDIC for commercial banks with assets in excess of $10 billion. Furthermore, Charter One's nonperforming asset level is at the very low end of the range for comparably sized financial institutions. Nonperforming assets (including troubled debt restructurings and loans delinquent 90 days and still accruing) increased to $244 million at December 31, 2001 from $214 million at September 30, 2001. The ratio of nonperforming assets to total assets remained low at .64% at December 31, 2001. Given the performance of the portfolio and the collateralized nature of these assets, management continues to believe credit losses will remain very manageable over the near term.

In light of the softening economy and reflecting the shifting mix of the loan portfolio, the provision for loan and lease losses exceeded net charge-offs by $20 million during the quarter ($32 million during the year). The ratio of the allowance to total loans has increased from .78% at the beginning of 2001 .98% at December 31. Additionally, the $255 million allowance was equivalent to nearly four years of charge-offs, based on the 2001 annual level. The portfolio remains well diversified and 95% of all loans are collateralized, with 60% backed by single and multifamily real estate.

Deposits - Deposits totaled $25.1 billion at December 31, 2001, up $5.5 billion, or 28%, during the year. Acquisitions contributed $2.2 billion of the net growth, resulting a de novo retail deposit increase of $3.3 billion, for a growth rate of 17%. This represents the highest organic growth rate in Charter One history, both in terms of growth rate and absolute balances. During the fourth quarter, total deposits, excluding acquisitions, increased by $768 million, for an organic growth of 3%. The quarter also included $866 million coming from the purchase of the branches and retail deposits of Superior Federal Bank in Illinois. Early deposit retention results at Superior have been excellent.

But the real news was in core deposits, a primary focus over the past several years. Core deposits (checking, money market and savings accounts) totaled $14.6 billion at December 31, 2001, up $5.1 billion or 55% from the end of 2000. Acquisitions accounted for only $607 million of this growth,



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resulting in an industry-leading de novo growth rate of 48% for 2001. Core deposits now represent 58% of total deposits, and checking account balances make up 31% of the total. In contrast, the mix a year ago included 48% in core deposits and 20% in checking accounts. During the fourth quarter, core deposits, excluding $189 million from acquisitions, increased by $1.2 billion, for organic growth of 9%. All of the growth during the quarter came from increased checking accounts.

Much of the success in attracting deposits has been attributable to attractive checking account products. Once again, a record was established in opening 131,000 checking accounts during the fourth quarter, bringing the total for the year to 467,000. The total number of checking accounts increased to 1.27 million at the end of 2001, up 17% from 1.09 million at the end of 2000, with only 1% attributable to acquisitions.

Operating expenses - Administrative expenses totaled $176 million in the three months ended December 31, 2001, up from $155 million in the third quarter of 2001 and $142 million (excluding merger costs) in the year ago quarter. The increase was primarily attributable to costs associated with acquisitions, high loan origination volumes and new marketing programs. Additionally, Charter One established a charitable foundation during the fourth quarter, funding it with an initial deposit of $7.5 million. Operating expenses translated into an efficiency ratio of 41.66% for the fourth quarter of 2001, compared to 40.49% for the third quarter of 2001 and 41.79% for the fourth quarter of 2000.

Stock repurchase update - On July 18, 2000, the Company authorized the repurchase of 10% of its outstanding shares, or approximately 20 million shares. During 2001, Charter One repurchased 4.3 million shares. Separately, on September 12, 2001, the Company entered into an agreement with a third party that provided the Company with an option to purchase up to $100 million of Charter One common stock through the use of forward transactions. On January 8, 2002, the Company settled open forward transactions for 3.5 million shares of its common stock through physical share settlement whereby the Company paid cash of $97 million, or $27.69 per share, to a third party in exchange for the 3.5 million shares. The common shares outstanding and shareholders' equity were reduced on the settlement date and, as a result, the transaction did not affect Charter One's 2001 results or year-end balance sheet. Following the purchases under this agreement, Charter One had 7.1 million shares remaining under its current repurchase authorization.

Acquisition update - On January 11, 2002, the Company announced an agreement to acquire Charter National Bancorp, a commercial bank headquartered in Wyandotte, Michigan, with $300 million of assets. At the same time, it announced its intention to adopt the Charter One name for its Michigan operations as soon as the merger is complete, sometime in the second or third quarter of 2002.

National bank charter application - As previously announced, Charter One has filed an application with the Office of the Comptroller of the Currency to convert to a national bank charter. Charter One Bank is currently a federal savings bank regulated by the Office of Thrift Supervision. Charter One expects the conversion to be effective during the first quarter of 2002. Given the Bank's capital levels and business mix, management does not anticipate any significant financial or regulatory impact from the switch in regulators.

Outlook - In closing, Koch stated he was comfortable with earnings estimates of $2.50 to $2.55 per share for 2002, which translates into a 13 to 15% growth rate. "Our comfort stems primarily from confidence in our consumer banking model, and the strong momentum coming off our 2001 performance. Furthermore, we expect to meet these targets in a conservative manner."



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He went on to summarize a few of the most significant assumptions behind the earnings guidance:

  • A continuation of the current interest rate and economic environment
  • Modest asset growth of up to 3%
  • A 20% increase in retail banking revenues
  • A 4% increase in operating expenses
  • A net charge-off ratio of 30 basis points on average loans
  • Normalized levels of securities gains of $5 million per quarter starting second quarter 2002; first quarter includes $20 million in gains already realized.

The ability to meet these robust growth targets with little or no asset growth not only reduces our risk profile, it provides tremendous capital management flexibility. As illustrated by the 3.5 million shares repurchased on January 8 of this year, we have a strong history of using our capital position in an opportunistic manner.

Company profile - Charter One has $38 billion in total assets, making it one of the 25 largest bank holding companies in the country. The Bank has 456 branch locations in Ohio, Michigan, New York, Illinois, Massachusetts, and Vermont. In Michigan, the branch locations currently operate under the name First Federal of Michigan. The Company's diverse product set includes: consumer banking, indirect auto finance, commercial leasing, business lending, commercial real estate lending, mortgage banking, and retail investment products. For additional information, including press releases and investor presentations, investors are directed to Charter One's web site: www.charterone.com.

The Company has scheduled a conference call to discuss quarterly results for 10:00 a.m. eastern time on Wednesday, January 23, 2002. To participate in the call, dial (888) 423-3268 and ask for the Charter One 4th quarter earnings call. The call is available on a replay basis until February 2, 2002 by dialing (320) 365-3844, access code 621377. Alternatively, the call will be available through Charter One's website, both on a live and a replay basis.

Forward-Looking Information

This release contains certain estimates of future operating trends for Charter One Financial, Inc., as well as estimates of financial condition and earnings, operating efficiencies, revenue creation, lending origination, loan sale volumes, charge-offs and loan loss provisions. These estimates constitute forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995), which involve significant risks and uncertainties. Actual results may differ materially from the results discussed in these forward-looking statements. Factors that might cause such a difference include, but are not limited to:(1) the economic impact of the terrorist attacks on September 11, and the U.S. response to those attacks; (2) revenue growth is lower than expected; (3) competitive pressures among depository institutions increase significantly; (4) changes in the interest rate environment reduce interest margins; (5) general economic conditions, either nationally or in the states in which the Company does business, are less favorable than expected; and (6) legislation or regulatory changes adversely affect the businesses in which the Company is engaged. Other factors which may affect these statements are identified in previous filings with the Securities and Exchange Commission.

#####



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CHARTER ONE FINANCIAL, INC.
CONSOLIDATED STATEMENTS OF INCOME
(unaudited)
Three Months Ended
12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands, except per share data)
Interest income:
  Loans and leases $     462,055 $     484,697 $     458,851 $     466,667 $     472,623
  Mortgage-backed securities:
    Available for sale 109,319 89,819 84,613 82,724 69,608
    Held to maturity 17,241 20,141 23,283 26,287 28,108
  Investment securities:
    Available for sale 2,741 3,387 2,216 2,836 8,057
    Held to maturity 85 88 91 145 333
  Other interest-earning assets 8,605
 10,850
 10,888
 10,617
 11,173
      Total interest income 600,046
 608,982
 579,942
 589,276
 589,902
Interest expense:
  Deposits 199,688 224,811 216,327 214,457 211,787
  FHLB advances 112,297 122,214 128,186 135,747 141,910
  Other borrowings 8,121
 8,633
 7,758
 9,591
 21,375
      Total interest expense 320,106
 355,658
 352,271
 359,795
 375,072
      Net interest income 279,940 253,324 227,671 229,481 214,830
Provision for loan and lease losses 38,853
 27,109
 17,076
 17,728
 20,920
      Net interest income after provision for loan and lease losses 241,087
 226,215
 210,595
 211,753
 193,910
Other income:
  Retail banking 80,108 72,285 72,130 67,369 65,648
  Mortgage banking (3,069) 9,637 8,830 9,480 35,967
  Leasing operations 252 2,230 331 1,207 905
  Net gains (losses) 46,336 26,302 25,580 16,094 (2,862)
  Bank owned life insurance and other 9,197
 9,691
 9,785
 9,849
 11,909
      Total other income 132,824
 120,145
 116,656
 103,999
 111,567
Administrative expenses:
  Compensation and employee benefits 72,412 73,951 65,438 68,099 61,656
  Net occupancy and equipment 29,162 27,051 26,314 26,861 25,902
  Marketing expenses 9,462 6,554 9,633 6,059 3,991
  Federal deposit insurance premiums 1,044 1,026 932 916 939
  Merger expenses - - - - 3,427
  Amortization of goodwill 4,039 4,039 4,039 4,039 4,045
  Other administrative expenses 59,884
 42,629
 44,467
 41,612
 45,121
      Total administrative expenses 176,003
 155,250
 150,823
 147,586
 145,081
Income before income taxes 197,908 191,110 176,428 168,166 160,396
Income taxes 62,829
 60,677
 56,016
 53,376
 51,022
      Net income $     135,079
 $     130,433
 $     120,412
 $     114,790
 $     109,374
Basic earnings per share(1) $             .60
 $             .58
 $             .55
 $             .52
 $             .50
Diluted earnings per share(1) $             .59
 $             .57
 $             .54
 $             .51
 $             .49
Average common shares outstanding(1):
  Basic 224,524,427
 224,709,693
 217,811,601
 218,849,204
 218,367,756
  Diluted 229,922,618
 230,579,401
 223,381,474
 224,244,027
 222,881,769
Cash dividends declared per share(1) $             .20
 $             .19
 $             .19
 $             .17
 $             .17
__________________________

(1) Restated to reflect the 5% stock dividend issued September 28, 2001.

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CHARTER ONE FINANCIAL, INC. AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
(unaudited)

Twelve Months Ended
12/31/01
 12/31/00
(Dollars in thousands,
except per share data)
Interest income:
  Loans and leases $   1,872,270 $   1,810,608
  Mortgage-backed securities:
    Available for sale 366,475 241,369
    Held to maturity 86,952 120,812
  Investment securities:
    Trading - 38
    Available for sale 11,180 33,412
    Held to maturity 409 1,594
  Other interest-earning assets 40,960
 39,255
      Total interest income 2,378,246
 2,247,088
Interest expense:
  Deposits 855,283 766,109
  FHLB advances 498,444 532,583
  Other borrowings 34,103
 45,361
      Total interest expense 1,387,830
 1,344,053
      Net interest income 990,416 903,035
Provision for loan and lease losses 100,766
 54,205
      Net interest income after provision for loan and
        lease losses 		889,650
 848,830
Other income:
  Retail banking 291,892 243,547
  Mortgage banking 24,878 77,914
  Leasing operations 4,020 14,919
  Net gains 114,312 9,271
  Bank owned life insurance and other 38,522
 47,220
      Total other income 473,624
 392,871
Administrative expenses:
  Compensation and employee benefits 279,900 270,642
  Net occupancy and equipment 109,388 101,893
  Marketing expenses 31,708 19,527
  Federal deposit insurance premiums 3,918 4,011
  Merger expenses - 29,491
  Amortization of goodwill 16,156 16,180
  Other administrative expenses 188,592
 162,211
      Total administrative expenses 629,662
 603,955
Income before income taxes 733,612 637,746
Income taxes 232,898
 203,784
      Net income $       500,714
 $       433,962
Basic earnings per share(1) $             2.25
 $             1.93
Diluted earnings per share(1) $             2.21
 $             1.90
Average common shares outstanding(1):
  Basic 221,473,731
 224,397,762
  Diluted 227,031,880
 228,471,263
Cash dividends declared per share(1) $              .75
 $              .63
____________________________

(1) Restated to reflect the 5% stock dividend issued September 28, 2001.



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CHARTER ONE FINANCIAL, INC.
CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
(unaudited)

12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands, except per share data)

ASSETS
Cash and deposits with banks $    481,013 $    565,955 $    608,420 $   537,754 $    530,771
Federal funds sold and other 35,507
 504
 13,161
 35,494
 486
     Total cash and cash equivalents 516,520 566,459 621,581 573,248 531,257
Investments securities:
  Available for sale 129,312 133,409 109,298 113,242 426,701
  Held to maturity 6,274 7,088 6,827 7,469 22,514
Mortgage-backed securities:
  Available for sale 8,030,512 7,390,874 5,621,148 5,385,106 4,087,196
  Held to maturity 983,904 1,129,049 1,268,993 1,415,280 1,506,175
Loans and leases, net 25,396,071 25,194,411 24,337,829 23,807,368 23,950,172
Loans held for sale 332,629 204,126 198,491 157,762 58,002
Bank owned life insurance 808,231 798,124 753,840 753,323 743,509
Federal Home Loan Bank stock 617,836 614,603 572,857 577,135 568,377
Premises and equipment 352,235 348,821 334,057 331,459 323,911
Accrued interest receivable 162,065 176,359 156,732 159,103 165,990
Real estate and other collateral owned 54,351 45,642 39,537 36,573 27,731
Loan servicing assets 139,840 148,875 134,286 127,301 121,735
Goodwill 350,839 300,104 164,227 168,319 172,411
Other assets 293,897
 244,184
 227,517
 218,973
 265,746
     Total assets $38,174,516
 $37,302,128
 $34,547,220
 $33,831,661
 $32,971,427

LIABILITIES AND SHAREHOLDERS' EQUITY
Deposits:
  Checking accounts $ 7,830,026 $ 6,405,681 $ 5,101,776 $ 4,365,660 $ 3,941,912
  Money market and savings accounts 6,737,160 6,754,670 6,375,715 6,220,615 5,486,158
  Certificates of deposit 10,556,123
 10,328,720
 9,642,507
 9,834,765
 10,177,601
    Total deposits 25,123,309 23,489,071 21,119,998 20,421,040 19,605,671
Federal Home Loan Bank advances 8,657,238 9,139,367 9,384,710 9,635,622 9,636,277
Federal funds purchased and repurchase agreements 203,259 467,771 171,636 56,472 262,326
Other borrowings 304,410 306,987 292,504 289,010 284,808
Advance payments by borrowers for taxes and insurance 54,103 57,775 54,120 50,306 60,761
Accrued interest payable 57,704 73,908 91,419 91,849 54,499
Accrued expenses and other liabilities 845,993
 841,057
 865,265
 742,738
 610,881
     Total liabilities 35,246,016
 34,375,936
 31,979,652
 31,287,037
 30,515,223
Shareholders' equity:
  Preferred stock - $.01 par value per share; 20,000,000
    shares authorized and unissued 		- - - - -
  Common stock - $.01 par value per share; 360,000,000
    shares authorized; 224,855,827, 224,427,720,
    212,681,891, 212,681,891, and 212,684,698 shares issued 		2,249 2,244 2,127 2,127 2,127
  Additional paid-in capital 2,091,767 2,084,103 1,751,959 1,747,775 1,745,232
  Retained earnings 811,093 721,430 916,326 850,961 786,793
  Less 516,082, 0, 5,571,193, 4,667,371, and 4,456,293
    shares of common stock held in treasury at cost 		(14,586) - (141,622) (110,821) (100,545)
  Borrowings of employee investment and stock
    ownership plan 		- (314) (628) (942) (1,256)
  Accumulated other comprehensive income 37,977
 118,729
 39,406
 55,524
 23,853
     Total shareholders' equity 2,928,500 2,926,192 2,567,568 2,544,624 2,456,204
     Total liabilities and shareholders' equity $38,174,516
 $37,302,128
 $34,547,220
 $33,831,661
 $32,971,427


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CHARTER ONE FINANCIAL, INC.
SELECTED STATISTICAL DATA
(unaudited)

Three Months Ended
12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands, except per share data)
Operating earnings (excluding merger expenses):
  Operating earnings $135,079    $130,433    $120,412    $114,790    $111,704   
  Operating earnings per share(1) .59    .57    .54    .51    .50   
Annualized returns and ratios based on operating earnings:
  Return on average assets 1.44% 1.43% 1.42% 1.38% 1.36%
  Return on average equity 17.67    17.81    18.70    18.29    18.65   
  Average equity to average assets 8.15    8.03    7.60    7.52    7.28   
  Net interest income to administrative expenses 1.59x  1.63x  1.51x  1.55x  1.52x 
  Administrative expenses to average assets 1.88% 1.70% 1.78% 1.77% 1.72%
  Efficiency ratio 41.66    40.49    42.63    43.05    41.79   
Annualized returns based on net income:
  Return on average assets 1.44    1.43    1.42    1.38    1.33   
  Return on average equity 17.67    17.81    18.70    18.29    18.26   
Annualized return on average tangible equity(2) 20.18    19.84    20.45    20.11    20.18   
__________________________
(1) Restated to reflect the 5% stock dividend issued September 28, 2001.
(2) Computed as the ratio of net income, excluding the amortization of goodwill and core deposit intangible, to average tangible equity.

Twelve Months Ended
12/31/01
 12/31/00
(Dollars in thousands,
except per share data)
Operating earnings (excluding merger expenses):
  Operating earnings $500,714    $453,918   
  Operating earnings per share(1) 2.21    1.99   
Returns and ratios based on operating earnings:
  Return on average assets 1.41% 1.43%
  Return on average equity 18.17    18.82   
  Average equity to average assets 7.76    7.58   
  Net interest income to administrative expenses 1.57x   1.57x  
  Administrative expenses to average assets 1.77% 1.81%
  Efficiency ratio 41.91    43.39   
Returns based on net income:
  Return on average assets 1.41    1.36   
  Return on average equity 18.17    18.00   
Return on average tangible equity(2) 20.25    19.99   
___________________________
(1) Restated to reflect the 5% stock dividend issued September 28, 2001.
(2) Computed as the ratio of net income, excluding the amortization of goodwill and core deposit intangible, to average tangible equity.

12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
End of period capitalization:
  Equity to assets 7.67% 7.84% 7.43% 7.52% 7.45%
  Tangible equity to assets 6.74    7.03    6.96    7.02    6.92   
  Book value per share(1) $13.05    $13.04    $11.81   $11.65    $11.23   
  Tangible book value per share(1) 11.47    11.68    11.05    10.88    10.44   
Miscellaneous end-of-period data:
  Number of employees (full-time equivalents) 6,850    6,716    6,660    6,551    6,573   
  Number of full-service branches 456    436    423    423    419   
  Number of loan production offices 29    29    29    32    32   
  Number of ATMs 919    921    905    910    913   
___________________________
(1) Restated to reflect the 5% stock dividend issued September 28, 2001.

COMPOSITION OF DEPOSITS

12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands)
Checking accounts:
  Interest-bearing $5,973,545 $4,840,344 $3,545,157 $2,853,954 $2,547,726
  Noninterest-bearing 1,856,481 1,565,337 1,556,619 1,511,706 1,394,186
Money market and savings accounts 6,737,160 6,754,670 6,375,715 6,220,615 5,486,158
Certificates of deposit:
  Retail 10,465,071 10,243,990 9,522,954 9,695,516 9,979,198
  Brokered 91,052
 84,730
 119,553
 139,249
 198,403
     Total deposits $25,123,309
 $23,489,071
 $21,119,998
 $20,421,040
 $19,605,671
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CHARTER ONE FINANCIAL, INC.
AVERAGE BALANCE SHEET, YIELDS AND COSTS
(unaudited)

Three Months Ended
12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands)
Average balance sheet data:
  Interest-earning assets:
    Loans and leases $25,992,199    $26,538,590    $24,545,830    $24,414,279    $24,501,333   
    Mortgage-backed securities 8,125,218    6,721,551    6,308,018    6,096,885    5,362,632   
    Investment securities 139,714    169,317    121,273    155,647    461,514   
    Other interest-earning assets 627,381    642,584    636,982    594,483    584,097   
      Total interest-earning assets 34,884,512    34,072,042    31,612,103    31,261,294    30,909,576   
    Allowance for loan and lease losses (235,087)   (231,028)   (192,922)   (187,665)   (187,769)  
    Noninterest-earning assets(1) 2,867,450    2,656,029    2,466,163    2,295,337    2,197,735   
        Total assets $37,516,875    $36,497,043    $33,885,344    $33,368,966    $32,919,542   
  Interest-bearing liabilities:
    Checking accounts $  6,971,531    $  5,803,371    $  4,515,967    $  3,957,804    $  3,743,410   
    Money market and savings accounts 6,705,579    6,741,797    6,293,361    5,861,567    5,367,142   
    Certificates of deposit 10,449,348    10,406,778    9,708,127    9,964,579    10,101,086   
      Total deposits 24,126,458    22,951,946    20,517,455    19,783,950    19,211,638   
    FHLB advances 8,866,648    9,280,037    9,411,921    9,819,816    9,380,222   
    Other borrowings 553,116    548,888    427,597    531,171    1,209,359   
      Total interest-bearing liabilities 33,546,222    32,780,871    30,356,973    30,134,937    29,801,219   
  Noninterest-bearing liabilities 912,290    787,228    952,391    723,044    722,980   
        Total liabilities 34,458,512    33,568,099    31,309,364    30,857,981    30,524,199   
  Shareholders' equity 3,058,363    2,928,944    2,575,980    2,510,985    2,395,343   
        Total liabilities and shareholders' equity $37,516,875    $36,497,043    $33,885,344    $33,368,966    $32,919,542   
Yields and costs during period:
  Weighted average yield:
    Loans and leases(2) 7.10% 7.29% 7.48% 7.68% 7.70%
    Mortgage-backed securities 6.23    6.54    6.84    7.15    7.29   
    Investment securities 8.09    8.21    7.61    7.66    7.27   
    Other interest-earning assets 5.37    6.61    6.76    7.14    7.49   
      Total interest-earning assets 6.87    7.13    7.34    7.56    7.62   
  Weighted average cost(3):
    Checking accounts 2.24    2.47    2.16    1.94    1.78   
    Money market and savings accounts 2.61    3.13    3.71    3.60    3.35   
    Certificates of deposit 4.41    5.17    5.53    5.84    5.90   
      Total deposits 3.28    3.89    4.23    4.40    4.39   
    FHLB advances 5.02    5.22    5.46    5.60    6.01   
    Other borrowings 5.82    6.23    7.23    7.22    6.95   
        Total interest-bearing liabilities 3.79    4.30    4.65    4.84    5.00   
  Interest rate spread 3.08    2.83    2.69    2.72    2.62   
  Net yield on interest-earning assets 3.21    2.97    2.88    2.94    2.78   
 ____________________________
(1) Includes mark-to-market adjustments on securities available for sale.
(2) Excludes impact of related tax benefits.
(3) Includes the annualized effect of interest rate risk management instruments.

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CHARTER ONE FINANCIAL, INC.
AVERAGE BALANCE SHEET, YIELDS AND COSTS
(unaudited)

Twelve Months Ended
12/31/01
 12/31/00
(Dollars in thousands)
Average balance sheet data:
  Interest-earning assets:
    Loans and leases $25,463,666 $23,830,266
    Mortgage-backed securities 6,818,807 5,032,746
    Investment securities 146,664 487,490
    Other interest-earning assets 628,560
 543,450
      Total interest-earning assets 33,057,697 29,893,952
    Allowance for loan and lease losses (211,859) (185,623)
    Noninterest-earning assets(1) 2,651,957
 2,097,990
        Total assets $35,497,795
 $31,806,319
  Interest-bearing liabilities:
    Checking accounts $ 5,345,061 $ 3,632,640
    Money market and savings accounts 6,433,557 5,401,048
    Certificates of deposit 10,230,112
 9,821,168
      Total deposits 22,008,730 18,854,856
    FHLB advances 9,361,225 9,309,296
    Other borrowings 515,345
 613,875
      Total interest-bearing liabilities 31,885,300 28,778,027
  Noninterest-bearing liabilities 856,906
 616,804
        Total liabilities 32,742,206 29,394,831
  Shareholders' equity 2,755,589
 2,411,488
        Total liabilities and shareholders' equity $35,497,795
 $31,806,319
Yields and costs during period:
  Weighted average yield:
    Loans and leases(2) 7.35% 7.60%
    Mortgage-backed securities 6.65    7.20   
    Investment securities 7.90    7.19   
    Other interest-earning assets 6.43    7.10   
      Total interest-earning assets 7.19    7.51   
  Weighted average cost(3):
    Checking accounts 2.22    1.58   
    Money market and savings accounts 3.23    3.12   
    Certificates of deposit 5.17    5.50   
      Total deposits 3.89    4.06   
    FHLB advances 5.32    5.71   
    Other borrowings 6.58    7.32   
        Total interest-bearing liabilities 4.35    4.67   
  Interest rate spread 2.84    2.84   
  Net yield on interest-earning assets 3.00    3.02   
_________________________
(1) Includes mark-to-market adjustments on securities available for sale.
(2) Excludes impact of related tax benefits.
(3) Includes the annualized effect of interest rate risk management instruments.

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CHARTER ONE FINANCIAL, INC.
YIELDS AND COSTS AT END OF PERIOD
(unaudited)

12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
Yields and costs at end of period:
  Weighted average yield:
    Real estate loans 6.99% 7.30% 7.33% 7.45% 7.49%
    Retail consumer loans 6.35    6.90    7.18    7.82    7.86   
    Automobile loans 7.67    8.16    8.45    8.63    8.67   
    Consumer finance loans 8.15    8.33    8.41    8.76    8.91   
    Leases(1) 5.87    6.05    6.22    6.27    6.33   
    Corporate banking loans 6.07    7.11    7.47    8.34    8.89   
      Total loans and leases 6.91    7.30    7.43    7.69    7.73   
    Mortgage-backed securities 6.18    6.46    6.73    7.06    7.29   
    Investment securities 8.21    8.15    7.90    7.92    7.40   
    Other interest-earning assets 5.43    6.88    7.13    7.12    7.46   
        Total interest-earning assets 6.71    7.10    7.27    7.54    7.64   
  Weighted average cost(2):
    Checking accounts 1.86    2.45    2.15    1.93    1.73   
    Money market and savings accounts 2.26    2.72    3.14    3.79    3.29   
    Certificates of deposit 4.03    4.84    5.52    5.76    5.93   
      Total deposits 2.88    3.58    3.99    4.34    4.35   
  FHLB advances 5.02    5.12    5.39    5.51    5.86   
  Other borrowings 5.86    5.31    6.84    8.06    7.21   
        Total interest-bearing liabilities 3.46    4.04    4.46    4.75    4.89   
Interest rate spread 3.25    3.06    2.81    2.79    2.75   
Net yield on interest-earning assets 3.38    3.21    3.00    2.97    2.91   
___________________________
(1) Excludes impact of related tax benefits.
(2) Includes the annualized effect of interest rate risk management instruments.

LOAN AND LEASE PORTFOLIO
(unaudited)

12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands)
Loan and lease portfolio, net(1):
  One-to-four family:
     Permanent:
        Fixed rate $,419,819 $5,812,007 $5,408,985 $4,788,565 $4,543,712
        Adjustable rate 3,350,370 3,753,921 3,935,194 5,034,817 5,989,120
      Construction 409,369
 411,186
 380,735
 354,997
 345,930
10,179,558
 9,977,114
 9,724,914
 10,178,379
 10,878,762
  Commercial real estate:
    Multifamily 1,189,777 1,240,894 1,035,595 1,031,704 1,115,360
    Other 1,279,889
 1,276,072
 1,038,628
 1,001,852
 855,266
2,469,666
 2,516,966
 2,074,223
 2,033,556
 1,970,626
  Consumer:
    Retail 4,857,473 4,910,435 5,454,166 4,853,952 4,631,476
    Automobile 4,397,425 4,259,625 3,625,418 3,308,099 3,151,084
   Consumer finance 1,042,522
 1,066,613
 1,073,648
 1,098,983
 988,879
10,297,420
 10,236,673
 10,153,232
 9,261,034
 8,771,439
  Business:
    Leases 1,994,524 2,008,167 1,937,747 1,869,117 1,778,021
    Corporate banking 1,043,010
 895,221
 844,582
 816,035
 798,942
3,037,534
 2,903,388
 2,782,329
 2,685,152
 2,576,963
  Loans and leases before allowance for
    loan and lease losses		 25,984,178 25,634,141 24,734,698 24,158,121 24,197,790
  Allowance for loan and lease losses (255,478)
 (235,604)
 (198,378)
 (192,991)
 (189,616)
  Loans and leases, net(1) $25,728,700
 $25,398,537
 $24,536,320
 $23,965,130
 $24,008,174
Portfolio of loans serviced for others $13,846,807 $13,862,069 $12,115,754 $10,723,836 $10,379,644
_____________________________
(1) Includes loans held for sale.

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CHARTER ONE FINANCIAL, INC.
LOAN AND LEASE ACTIVITY(unaudited)

Three Months Ended
12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands)
Originations:
Real estate:
  Permanent:
    One-to-four family $2,831,833 $2,015,708 $2,512,966 $1,453,923 $1,120,250
    Multifamily 1,774 21,003 5,650 14,026 4,818
    Commercial 9,070
 19,953
 65,775
 60,806
 28,424
      Total permanent loans 2,842,677
 2,056,664
 2,584,391
 1,528,755
 1,153,492
  Construction:
    One-to-four family 7,288 16,765 203,528 121,929 163,533
    Multifamily 7,841 60,506 32,327 38,187 11,185
    Commercial 21,947
 68,526
 19,207
 86,216
 20,225
      Total construction loans 37,076
 145,797
 255,062
 246,332
 194,943
           Total real estate loans originated 2,879,753
 2,202,461
 2,839,453
 1,775,087
 1,348,435
Retail consumer 867,979 948,975 1,135,388 584,345 490,514
Automobile 636,021 900,593 688,682 490,625 450,274
Consumer finance 63,935 70,161 68,657 56,705 82,606
Leases 104,562 141,386 111,288 144,837 228,801
Corporate banking 396,426
 273,105
 254,980
 213,985
 248,647
      Total loans and leases originated 4,948,676
 4,536,681
 5,098,448
 3,265,584
 2,849,277
Loans purchased 7,244
 1,406,582
 3,827
 7,896
 1,919
Sales and principal reductions:
  Loans sold 476,089 399,889 466,831 293,094 145,247
  Loans exchanged for mortgage-backed securities 1,259,205 2,258,523 1,768,191 1,422,334 1,209,198
  Principal reductions 2,982,202
 2,225,932
 2,306,019
 1,597,326
 1,439,129
            Total sales and principal reductions 4,717,496
 4,884,344
 4,541,041
 3,312,754
 2,793,574
               Increase (decrease) before net items $    238,424
 $1,058,919
 $    561,234
 $   (39,274)
 $      57,622
Twelve Months Ended
12/31/01
 12/31/00
(Dollars in thousands)
Originations:
Real estate:
  Permanent:
    One-to-four family $8,814,430 $4,916,631
    Multifamily 42,453 34,454
    Commercial 155,604
 199,648
      Total permanent loans 9,012,487
 5,150,733
  Construction:
    One-to-four family 349,510 605,240
    Multifamily 138,861 78,542
    Commercial 195,896
 104,045
      Total construction loans 684,267
 787,827
           Total real estate loans originated 9,696,754
 5,938,560
Retail consumer 3,536,687 2,063,352
Automobile 2,715,921 1,791,772
Consumer finance 259,458 405,193
Leases 502,073 794,947
Corporate banking 1,138,496
 818,394
      Total loans and leases originated 17,849,389
 11,812,218
Loans purchased 1,425,549
 18,809
Sales and principal reductions:
  Loans sold 1,635,903 472,622
  Loans exchanged for mortgage-backed securities 6,708,253 3,991,087
  Principal reductions 9,111,479
 5,593,663
            Total sales and principal reductions 17,455,635
 10,057,372
               Increase before net items $  1,819,303
 $  1,773,655
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CHARTER ONE FINANCIAL, INC.
ALLOWANCE FOR LOAN AND LEASE LOSSES
(unaudited)

Three Months Ended
12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands)
Allowance for loan and lease losses:
  Balance, beginning of period $235,604    $198,378    $192,991    $189,616    $189,583   
  Provision for loan and lease losses 38,853    27,109    17,076    17,728    20,920   
  Acquired through business combination -    33,782    -    -    -   
  Loans and leases charged off:
    One-to-four family (1,035)   (800)   (357)   (1,005)   (1,500)  
    Commercial real estate (630)   (26)   (448)   (35)   (162)  
    Retail consumer (1,841)   (2,123)   (1,694)   (1,955)   (3,632)  
    Automobile (13,073)   (8,243)   (8,794)   (9,986)   (7,532)  
    Consumer finance (2,890)   (3,762)   (2,537)   (2,057)   (2,537)  
    Leases -    (7,234)   (262)   -    -   
    Corporate banking (2,216)  
 (3,903)  
 (284)  
 (1,269)  
 (8,349)  
      Total charge-offs (21,685)  
 (26,091)  
 (14,376)  
 (16,307)  
 (23,712)  
  Recoveries:
    One-to-four family 13    74    21    24    507   
    Commercial real estate 51    19    4    1    146   
    Retail consumer 650    402    499    421    634   
    Automobile 1,803    1,756    1,678    1,366    1,308   
    Consumer finance 26    73    77    51    -   
    Leases -    -    220    -    -   
    Corporate banking 163   
 102   
 188   
 91   
 230   
      Total recoveries 2,706   
 2,426   
 2,687   
 1,954   
 2,825   
        Net loan and lease charge-offs (18,979)  
 (23,665)  
 (11,689)  
 (14,353)  
 (20,887)  
  Balance, end of period $255,478   
 $235,604   
 $198,378   
 $192,991   
 $189,616   
  Net charge-offs to average loans and leases (annualized) .29% .36% .19% .24% .34%
Twelve Months Ended
12/31/01
 12/31/00
(Dollars in thousands)
Allowance for loan and lease losses:
  Balance, beginning of period $189,616    $186,400   
  Provision for loan and lease losses 100,766    54,205   
  Acquired through business combination 33,782    -   
  Loans and leases charged off:
    One-to-four family (3,196)   (5,723)  
    Commercial real estate (1,139)   (341)  
    Retail consumer (7,613)   (12,508)  
    Automobile (40,097)   (27,827)  
    Consumer finance (11,246)   (4,994)  
    Leases (7,496)   -   
    Corporate banking (7,672)  
 (8,938)  
      Total charge-offs (78,459)  
 (60,331)  
  Recoveries:
    One-to-four family 132    1,155   
    Commercial real estate 75    241   
    Retail consumer 1,972    1,610   
    Automobile 6,603    5,810   
    Consumer finance 227    17   
    Leases 220    -   
    Corporate banking 544   
 509   
      Total recoveries 9,773   
 9,342   
        Net loan and lease charge-offs (68,686)  
 (50,989)  
  Balance, end of period $255,478   
 $189,616   
  Net charge-offs to average loans and leases (annualized) .27% .21%
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CHARTER ONE FINANCIAL, INC.
NONPERFORMING ASSETS
(unaudited)

12/31/01
 9/30/01
 6/30/01
 3/31/01
 12/31/00
(Dollars in thousands)
Nonperforming loans and leases:
  Nonaccrual loans and leases:
    Real estate mortgage loans:
      One-to-four family(1) $ 79,394    $ 77,094    $ 71,761    $ 71,531    $ 71,269   
      Multifamily and commercial 13,552    8,046    5,566    8,566    8,132   
      Construction and land 10,276   
 4,182   
 6,482   
 7,683   
 8,806   
        Total real estate mortgage loans 103,222    89,322    83,809    87,780    88,207   
    Retail consumer 16,592    16,156    14,565    12,924    11,120   
    Automobile -    24    47    56    130   
    Consumer finance 68,485    63,198    58,255    51,898    48,673   
    Leases 904    2,687    6,441    -    -   
    Corporate banking 10,551   
 9,455   
 15,041   
 16,593   
 18,707   
        Total nonaccrual loans and leases 199,754   
 180,842   
 178,158   
 169,251   
 166,837   
  Accruing loans and leases delinquent more than 90 days:
    Real estate mortgage loans:
      One-to-four family - - - - -
      Multifamily and commercial -    -    -    -    -   
      Construction and land -   
 -   
 -   
 -   
 -   
        Total real estate mortgage loans -    -    -    -    -   
    Retail consumer(1) 4,519    3,149    2,692    2,947    2,586   
    Automobile 6,000    6,437    6,709    5,887    6,911   
    Consumer finance -    -    -    -    -   
    Leases -    62    412    1,958    2,956   
    Corporate banking 4,691   
 1,991   
 2,076   
 1,114   
 2,086   
        Total accruing loans and leases delinquent more than 90 days 15,210   
 11,639   
 11,889   
 11,906   
 14,539   
Restructured real estate mortgage loans 653   
 656   
 659   
 662   
 666   
        Total nonperforming loans and leases 215,617    193,137    190,706    181,819    182,042   
Real estate acquired through foreclosure and other collateral owned 50,265   
 41,955   
 36,500   
 33,363   
 27,523   
        Total nonperforming assets 265,882    235,092    227,206    215,182    209,565   
        Less government guaranteed loans 21,506   
 21,439   
 19,527   
 22,878   
 19,225   
        Nonperforming assets net of government guaranteed loans $244,376   
 $213,653   
 $207,679   
 $192,304   
 $190,340   
Ratio of (excluding government guaranteed nonperforming loans):
  Nonperforming loans and leases to total loans and leases .75% .68% .70% .66% .68%
  Nonperforming assets to total assets .64    .57    .60    .57    .58   
  Allowance for loan and lease losses to:
    Nonperforming loans and leases 131.61    137.22    115.89    121.42    116.46   
    Total loans and leases before allowance .98    .92    .80    .80    .78   
______________________________
(1) Includes government guaranteed loans.

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