8-K

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 Reported): April 16, 2003

CHARTER ONE FINANCIAL, INC

(Exact name of registrant as specified in its charter)

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

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

(216) 566-5300

(Registrant’s telephone number, including area code)

NOT APPLICABLE

(Former name or former address, if changed since report)

ITEM 7.    Financial Statements and Exhibits

     (c) Exhibits

           99.1 Press Release dated April 16, 2003.

ITEM 9.    Regulations FD Disclosure (Information Furnished in this Item 9 is Furnished under Item 12)

       On April 16, 2003, the Registrant issued its earnings release for the quarterly period ended March 31, 2003. The earnings release is attached to this report as Exhibit 99.1, which is incorporated herein by reference.

       This information furnished under this “Item 9. Regulation FD Disclosure” is intended to be furnished under “Item 12. Disclosure of Results of Operations and Financial Condition.”

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: April 16, 2003	By: /s/ Robert J. Vana Robert J. Vana Senior Vice President, Chief Corporate Counsel and Corporate Secretary

EX-99.1

Exhibit 99.1

News Release

[LOGO]
CHARTER ONE
FINANCIAL, INC.®

CONTACT: ELLEN BATKIE (800) 262-6301

CHARTER ONE REPORTS 1st QTR EPS OF $.64, UP 7%

Highlights for the quarter ended 3/31/03:

• Net earnings of $.64 per share, up 7% over 1Q 2002

• Net interest income up 6% over 1Q 2002

• Retail banking revenue up 14% over 1Q 2002; deposit- related portion up 16%

• Efficiency ratio of 39.8%, compared to 40.6% in 1Q 2002

• Excluding custodial balances, core deposits up an annualized 2% in 1Q 2003; noninterest checking up 58% (annualized)

• Reserve to loans strengthened to 1.40%, up from 1.24% at 12/31/02 and 1.04% at 3/31/02

• NPAs of .45% of assets; underperforming assets of .58% of assets

CLEVELAND, Ohio, April 16, 2003 — Charter One Financial, Inc. (NYSE:CF), the holding company of Charter One Bank, N.A., today reported net income of $147.5 million for the three months ended March 31, 2003, or $.64 per diluted share. This was up 6.7% from $.60 in net earnings per diluted share reported in the year ago quarter. All per share data in this release have been restated for the 5% stock dividend issued on September 30, 2002.

Net income for the quarter generated annualized returns of 1.38% on average assets, 18.48% on average equity, and 21.29% on average tangible equity. In the year ago quarter the returns were 1.52% on average assets, 19.71% on average equity and 22.50% on average tangible equity.

“We have indicated for some time that we strive for consistent earnings growth while maintaining a low-risk profile,” commented Charles John Koch, Charter One’s Chairman and Chief Executive Officer. “We believe the results of this first quarter of 2003 met that objective. Consistent with prior quarters, the current operating environment continues to provide elevated mortgage-related revenue, which has offset marginally higher credit costs coming out of the softening economy as well as adjustments to our mortgage servicing rights resulting from this low interest rate environment. Furthermore, the mortgage-related revenue is contributing to the funding of our retail expansion and enhanced marketing initiatives, both of which should create additional franchise value over time. Finally, looking ahead over the rest of the year, and assuming a continuation of the current operating environment, we are able to reaffirm our previous earnings guidance of $2.66 to $2.72 per share in 2003.”

Net interest income and net yield - Net interest income was $299.0 million for the three months ended March 31, 2003, up 5.6% from the year ago quarter. The increase in net interest income was driven by a $5.2 billion, or 14.9%, increase in average interest-earning assets. Net yield during the first quarter of 2003 was 2.99%, down 27 basis points from the first quarter of 2002 and down eight basis points from the fourth quarter of 2002. The reduction during the quarter

resulted from downward pressure on asset yields in the declining rate environment, offset in part by the benefits obtained from deposit repricing in the fourth quarter of 2002. It is important to note that the Company still has additional deposit repricing flexibility in the current interest rate environment. There was virtually no core deposit repricing initiated in the first quarter.

Retail banking revenue - Retail banking revenue is the largest component of recurring noninterest income and totaled $84.1 million for the three months ended March 31, 2003, up 14.0% from the comparable 2002 quarter. Retail banking revenue includes three separate components: deposit-related revenue ($72.2 million, up 16% over the year ago quarter), fees from retail brokerage activities ($8.3 million, up 6%), and other revenue related to retail operations ($3.6 million, up 6%).

Mortgage banking revenue - The mortgage banking category includes revenue associated with Charter One’s mortgage banking operations, offset by the amortization and valuation adjustments related to its mortgage servicing rights asset (“MSR”). During the first quarter, the Company increased the valuation allowance by $20.7 million to $123 million. The total mortgage banking revenue, excluding the additional allowance, was $20.6 million in the first quarter of 2003. This represented an 82.7% increase from the year ago quarter, when the revenue totaled $11.3 million. The increase was primarily attributable to an 18.0% growth over the past 12 months in the portfolio serviced for others, which totaled $18.7 billion at March 31, 2003. The related MSR is now at .74% of the portfolio at $139 million. With an average servicing spread of 36 basis points, that translates into an MSR valuation of 2.06 times the servicing spread.

Net gains - During the first quarter of 2003, the Company reported net gains of $76.7 million. The primary source of the gains was the sale of $2.5 billion of mortgage-backed securities. As of March 31, 2003, unrealized pretax gains in the mortgage-backed securities portfolio totaled $303 million, compared with $223 million at December 31, 2002.

Leasing operations - Other income from leasing operations was reflected as a loss of $6.9 million in the first quarter of 2003, compared with income of $270,000 in the first quarter of 2002 and a loss of $4.6 million in the fourth quarter of 2002. The loss in the first quarter of 2003 resulted from $8.7 million in residual adjustments, which were primarily related to Charter One’s aircraft leasing portfolio.

Operating expenses — Administrative expenses totaled $183.3 million in the three months ended March 31, 2003, up 3.6% from the previous quarter and up 13.0% from the year ago quarter. The efficiency ratio was 39.8% for the first quarter of 2003, compared to 39.3% for the fourth quarter of 2002 and 40.6% for the first quarter of 2002. Excluding net gains and the MSR-related adjustments results in an efficiency ratio of 45.3%, compared to 43.3% for the fourth quarter of 2002, and 42.9% for the first quarter of 2002. In general, the higher level of expenses in the quarter was attributed to increased health care and marketing costs, as well as expenses related to adding 27 banking centers over the past 12 months.

Lending production and portfolio growth — Loan and lease originations totaled $6.0 billion during the first quarter of 2003, compared to the record level of $6.5 billion during the fourth

2

quarter of 2002 and $5.1 billion in the first quarter of 2002. Non-single family loan originations totaled $2.9 billion, or 48% of the total.

Loans and leases before reserves totaled $25.3 billion at March 31, 2003, compared to $26.5 billion at December 31, 2002. The underlying growth rate was masked by very large levels of agency securitizations during the quarter, which totaled $3.4 billion ($1.6 billion in one-to-four family and $1.8 billion in mortgage-related consumer loans). Without the securitization activity, the total portfolio would have increased at an annual rate of 33%, and the non-single family portion would have increased at an annual rate of 20%. Charter One retains essentially no credit risk in connection with these securitizations and does not utilize any special-purpose entities for the sale of mortgage-backed securities. At the end of March, non-single family loans totaled $16.9 billion, or 67% of the total portfolio. The total loan portfolio continues to be primarily consumer based, with 77% in consumer-oriented products and 23% in commercial lending.

Deposits - Deposits totaled $27.4 billion at March 31, 2003, down slightly in the three-month period. Core deposits (checking, money market and savings accounts) accounted for $17.9 billion, or 65% of the total. Excluding a decrease in custodial balances, core deposits were up 2% (annualized) in the first quarter of 2003. At the beginning of this year, the Company indicated it would emphasize noninterest-bearing checking growth this year, as opposed to total deposits as in previous years. During the first three months, the sales force posted strong growth in noninterest bearing accounts, increasing active accounts by 27,600 and adding $212 million in deposits (excluding custodial balances). This translated into annualized growth rates for noninterest bearing deposits of 16% in the number of accounts and 58% in balances. Charter One ended the first quarter with 1,348,114 total checking accounts, up an annualized 5% from December 31, 2002. Custodial balances totaled $705 million at March 31, 2003, $721 million at December 31, 2002, and $427 million at March 31, 2002.

Separately, the push into small business banking continues to show impressive results. Business deposits, which are included in core deposits, increased to $1.6 billion at March 31, 2003, up $303 million, or 22.7% (91.1% annualized), during the three-month period. The Company now has 86,200 business deposit accounts, up from 72,900 at December 31, 2002.

Retail expansion update - In early 2003, Charter One announced plans for aggressive de novo expansion during 2003 and 2004. The expansion is expected to include 125 new banking centers, with 97 in-store and 28 traditional locations. The 2003 goal is to open approximately 85 new banking centers, with 69 in-store and 16 traditional locations. Previously announced in-store partnerships will drive much of the expansion activity. Those partnerships include Tops Friendly Markets (Ohio and Western New York), and Price Chopper Supermarkets (Eastern New York and New England). The Company opened 16 banking centers during the first quarter, the majority of which were in-store locations. Charter One’s in-store franchise now includes 64 banking centers. Total in-store deposits were $1.2 billion at March 31, 2003, up an annualized 11% during the quarter before realizing any significant benefit from its recently opened branches. In-store checking accounts increased by $54 million in the quarter, for an annualized growth rate of 43%.

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The Company is projecting approximately 36 new banking centers during the second quarter, in addition to the 14 banking centers included with the acquisition of Advance Bancorp. As previously announced, Charter One agreed to buy Advance Bancorp, a $600 million bank holding company headquartered in Chicago, for $72 million in common stock. Management believes the transaction is on track to be closed early in May 2003.

Credit quality and allowance for loan losses - During the first quarter of 2003, Charter One continued to strengthen its level of loan loss reserves in light of the current economic environment. Consistent with its announcement on March 18, 2003, the Company posted an additional provision for loan losses of $35 million to reflect weakness in the economy and, specifically, the airline industry. The total provision for the quarter exceeded net charge-offs by $28 million and the ratio of the allowance to total loans and leases increased to 1.40% from 1.24% at December 31, 2002 and 1.04 % at March 31, 2002.

The March 18, 2003 announcement also disclosed that two aircraft lessees had requested concessions and Charter One indicated it was unlikely the maximum loss that could result from those discussions would exceed $25 million. One of the two situations had been resolved as of March 31, 2003 through the sale of the related $20 million lease, and resulted in a charge-off of $6.1 million. The remaining situation, representing a $15 million leveraged lease, is unresolved. Charter One’s aircraft leasing portfolio totaled $379.5 million at March 31, 2003, or 1.5% of its total loan and lease portfolio. The portfolio includes $274.3 million to domestic air carriers, with the remainder on corporate jets and cargo planes leased to investment-grade corporations. At March 31, 2003, all aircraft leases were current except the one lease remaining in concession talks mentioned above. The Company has no direct exposure to US Air, United Airlines, American Airlines or Air Canada.

Net charge-offs during the first quarter of 2003 totaled $33.6 million, or .52% of average loans and leases, including $6.1 million related to previously disclosed aircraft leasing concerns. The allowance for loan and lease losses increased to $356 million at March 31, 2003, equivalent to 2.7 years of net charge-offs.

At March 31, 2003, nonperforming assets totaled $194 million, or .45% of total assets, essentially unchanged from .44% at December 31, 2002. Underperforming assets (including nonperforming assets, troubled debt restructuring and loans delinquent 90 days and still accruing) totaled $252 million, or .58% of total assets, compared to .59% at December 31, 2002. Nonperforming assets at the end of the first quarter 2003 included the $15 million aircraft leveraged lease referenced above, which was added to nonaccrual loans and leases during the quarter. Although many external influences, such as economic weakness and geopolitical risks, can affect credit quality and portfolio performance, management continues to believe its credit-related costs remain manageable and consistent with overall earnings expectations.

Stock repurchase update - On April 23, 2002, the Company authorized a new repurchase program that permits the repurchase of 10% of its outstanding shares, or approximately 22 million shares. The Company repurchased 602,600 shares under the authorization during the first quarter of 2003 at an average cost of $27.86 per share. This brought the total repurchased under the program to 8.5 million shares at an average cost of $30.76 per share.

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Company profile — Charter One has $43 billion in total assets, making it one of the 25 largest bank holding companies in the country. The Bank has 477 banking center locations in Ohio, Michigan, New York, Illinois, Massachusetts, and Vermont. 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, investor presentations, committee charters, and reports filed with the SEC, investors are directed to Charter One’s web site: www.charterone.com.

The Company has scheduled a conference call to discuss quarterly results for 2:00 p.m. eastern time on Wednesday, April 16, 2003. To participate in the call, dial (800) 230-1074 and ask for the Charter One 1st quarter earnings call. The call is available on a replay basis until April 26, 2003 by dialing (320) 365-3844, access code 679367. 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) revenue growth is lower than expected; (2) competitive pressures among depository institutions increase significantly; (3) changes in the interest rate environment reduce interest margins; (4) deterioration in the credit quality of the Company’s loan portfolio requires higher loss provisions ; (5) general economic conditions, either nationally or in the states in which the Company does business, are less favorable than expected; (6) legislation or regulatory changes adversely affect the businesses in which the Company is engaged; and (7) ongoing geopolitical conflicts add unexpected stress on the economy or customer base. Other factors that may affect these statements are identified in previous filings with the Securities and Exchange Commission.

####

5

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

					Three Months Ended
					3/31/03			12/31/02			9/30/02			6/30/02		3/31/02
								(Dollars in thousands, except per share data)
Interest income:
	Loans and leases				$	377,724		$	418,711		$	410,237		$	415,057	$	427,838
	Mortgage-backed securities:
		Available for sale				149,311			131,821			135,099			141,773		111,128
		Held to maturity				8,269			9,991			10,695			12,261		14,800
	Investment securities:
		Available for sale				3,043			2,969			2,939			2,625		2,962
		Held to maturity				54			60			61			60		71
	Other interest-earning assets					7,385			8,184			9,729			9,478		7,912
				Total interest income		545,786			571,736			568,760			581,254		564,711
Interest expense:
	Deposits					133,743			154,018			160,821			169,576		170,401
	Federal Home Loan Bank advances					99,799			105,492			103,729			103,927		103,716
	Other borrowings					13,203			13,627			13,943			9,884		7,497
				Total interest expense		246,745			273,137			278,493			283,387		281,614
				Net interest income		299,041			298,599			290,267			297,867		283,097
Provision for loan and lease losses						61,471			60,314			47,695			55,277		28,717
				Net interest income after provision for loan and lease losses		237,570			238,285			242,572			242,590		254,380
Other income:
	Retail banking					84,100			89,261			84,175			83,543		73,756
	Mortgage banking					(27	)		(1,992	)		(36,961	)		9,168		11,290
	Leasing operations					(6,856	)		(4,566	)		404			317		270
	Net gains					76,653			61,585			83,881			37,840		21,727
	Bank owned life insurance and other					7,956			7,834			7,582			8,924		9,508
				Total other income		161,826			152,122			139,081			139,792		116,551
Administrative expenses:
	Compensation and employee benefits					87,056			81,827			81,443			80,645		77,252
	Net occupancy and equipment					31,186			30,360			30,288			27,634		28,563
	Marketing expenses					13,647			9,843			11,788			10,012		8,829
	Federal deposit insurance premiums					1,142			1,142			1,104			1,106		1,211
	Other administrative expenses					50,261			53,716			46,683			49,219		46,307
			Total administrative expenses			183,292			176,888			171,306			168,616		162,162
Income before income taxes						216,104			213,519			210,347			213,766		208,769
Income taxes						68,613			67,793			66,785			67,871		66,284
			Net income		$	147,491		$	145,726		$	143,562		$	145,895	$	142,485
Basic earnings per share(1)					$	.66		$	.65		$	.63		$	.63	$	.61
Diluted earnings per share(1)					$	.64		$	.63		$	.61		$	.61	$	.60
Average common shares outstanding(1):
	Basic					224,997,398			225,561,551			228,765,954			231,197,406		231,684,629
	Diluted					230,460,847			231,502,688			235,615,457			239,123,292		238,221,934
Cash dividends declared per share(1)					$	.22		$	.22		$	.21		$	.21	$	.19

(1) Restated to reflect the 5% stock dividend issued September 30, 2002.

6

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

			3/31/03			12/31/02			9/30/02			6/30/02			3/31/02
						(Dollars in thousands, except per share data)
ASSETS
Cash and deposits with banks			$	507,726		$	446,701		$	525,049		$	592,571		$	539,846
Federal funds sold and other				1,350,513			512			1,105,511			800,509			815,509
		Total cash and cash equivalents		1,858,239			447,213			1,630,560			1,393,080			1,355,355
Investments securities:
	Available for sale			227,137			210,095			213,684			169,203			133,509
	Held to maturity			4,157			3,973			4,642			4,381			5,043
Mortgage-backed securities:
	Available for sale			12,799,506			11,536,608			8,805,687			9,634,674			8,067,946
	Held to maturity			445,207			540,781			648,153			728,003			830,032
Loans and leases, net				24,685,258			25,852,846			25,351,352			24,382,986			24,355,261
Loans held for sale				291,729			351,892			287,891			161,438			160,805
Bank owned life insurance				837,660			829,043			819,664			814,429			809,356
Federal Home Loan Bank and Federal Reserve Bank stock				679,339			681,923			676,927			668,905			618,969
Premises and equipment				355,084			353,730			348,675			362,909			357,915
Accrued interest receivable				149,989			154,962			155,543			165,262			155,479
Real estate and other collateral owned				42,106			42,980			42,988			44,511			57,417
Loan servicing assets				139,085			128,564			126,646			175,650			164,789
Goodwill				386,372			386,372			386,372			385,808			351,040
Other assets				347,735			375,090			351,682			299,303			285,366
		Total assets	$	43,248,603		$	41,896,072		$	39,850,466		$	39,390,542		$	37,708,282
LIABILITIES AND SHAREHOLDERS’ EQUITY
Deposits:
	Checking accounts		$	9,652,845		$	9,650,433		$	8,619,130		$	7,737,558		$	7,934,769
	Money market and savings accounts			8,207,576			8,157,534			8,248,750			8,893,253			7,644,542
	Certificates of deposit			9,523,194			9,719,876			10,218,625			9,926,504			10,057,421
		Total deposits		27,383,615			27,527,843			27,086,505			26,557,315			25,636,732
Federal Home Loan Bank advances				10,446,630			9,037,925			7,574,583			7,841,524			7,830,065
Federal funds purchased and repurchase agreements				52,496			283,912			54,347			53,089			57,228
Other borrowings				707,591			708,853			710,282			720,133			325,505
Advance payments by borrowers for taxes and insurance				46,706			23,595			47,578			51,822			44,693
Accrued interest payable				72,017			38,372			66,193			38,029			59,813
Accrued expenses and other liabilities				1,307,416			1,191,747			1,295,185			1,089,899			894,327
		Total liabilities		40,016,471			38,812,247			36,834,673			36,351,811			34,848,363
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; 227,571,468, 227,571,468, 227,577,813, 224,853,682 and 224,854,600 shares issued			2,276			2,276			2,276			2,249			2,249
	Additional paid-in capital			2,197,388			2,193,095			2,192,186			2,104,361			2,097,473
	Retained earnings			908,486			824,564			732,731			976,380			893,200
	Less 2,539,076, 2,781,151, 1,158,700, 4,662,584, and 4,836,968, shares of common stock held in treasury at cost			(74,423	)		(82,610	)		(35,087	)		(135,378	)		(136,429	)
	Accumulated other comprehensive income			198,405			146,500			123,687			91,119			3,426
		Total shareholders’ equity		3,232,132			3,083,825			3,015,793			3,038,731			2,859,919
		Total liabilities and shareholders’ equity	$	43,248,603		$	41,896,072		$	39,850,466		$	39,390,542		$	37,708,282

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

		Three Months Ended
		3/31/03			12/31/02			9/30/02			6/30/02			3/31/02
Annualized returns and ratios based on net income:
	Return on average assets		1.38	%		1.40	%		1.46	%		1.51	%		1.52	%
	Return on average equity		18.48			19.11			18.89			19.85			19.71
	Average equity to average assets		7.46			7.35			7.72			7.60			7.71
	Net interest income to administrative expenses		1.63	x		1.69	x		1.69	x		1.77	x		1.75	x
	Administrative expenses to average assets		1.71	%		1.70	%		1.74	%		1.74	%		1.73	%
	Efficiency ratio(1)		39.77			39.25			39.90			38.53			40.58
Annualized return on average tangible equity(2)			21.29			22.18			21.70			22.84			22.50

(1)	Computed as the ratio of total administrative expenses to net interest income and total other income.
(2)	Computed as the ratio of net income, excluding the amortization of other intangible assets, to average tangible equity.

			3/31/03			12/31/02			9/30/02			6/30/02			3/31/02
End of period capitalization:
	Equity to assets		7.47	%		7.36	%		7.57	%		7.71	%		7.58	%
	Tangible equity to assets		6.50			6.36			6.52			6.65			6.64
	Book value per share(1)	$	14.36		$	13.72		$	13.32		$	13.14		$	12.38
	Tangible book value per share(1)		12.50			11.86			11.47			11.33			10.84
Miscellaneous end-of-period data:
	Number of employees (full-time equivalents)		7,198			6,997			6,837			6,914			6,874
	Number of full-service branches		477			461			459			461			450
	Number of loan production offices		26			26			26			27			27
	Number of ATMs		918			913			920			928			913

(1) Restated to reflect the 5% stock dividend issued September 30, 2002.

COMPOSITION OF DEPOSITS
(unaudited)

					3/31/03		12/31/02		9/30/02		6/30/02		3/31/02
							(Dollars in thousands)
Checking accounts:
	Interest-bearing				$	7,267,602	$	7,460,530	$	6,588,045	$	5,917,228	$	6,121,320
	Noninterest-bearing					2,385,243		2,189,903		2,031,085		1,820,330		1,813,449
		Total checking accounts				9,652,845		9,650,433		8,619,130		7,737,558		7,934,769
Money market and savings accounts						8,207,576		8,157,534		8,248,750		8,893,253		7,644,542
			Total transaction accounts			17,860,421		17,807,967		16,867,880		16,630,811		15,579,311
Certificates of deposit:
	Retail					9,523,194		9,719,876		10,198,753		9,886,732		10,017,629
	Brokered					—		—		19,872		39,772		39,792
		Total certificates of deposit				9,523,194		9,719,876		10,218,625		9,926,504		10,057,421
				Total deposits	$	27,383,615	$	27,527,843	$	27,086,505	$	26,557,315	$	25,636,732

8

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

					Three Months Ended
							3/31/03			12/31/02			9/30/02			6/30/02			3/31/02
									(Dollars in thousands)
Average balance sheet data:
	Interest-earning assets:
		Loans and leases				$	25,851,471		$	26,690,752		$	25,460,404		$	24,838,010		$	25,530,842
		Mortgage-backed securities					13,137,545			11,218,473			10,041,928			10,127,245			8,257,013
		Investment securities					210,920			212,698			186,249			156,998			150,619
		Other interest-earning assets					762,760			725,937			979,454			1,028,371			846,552
			Total interest-earning assets				39,962,696			38,847,860			36,668,035			36,150,624			34,785,026
	Allowance for loan and lease losses						(327,090	)		(292,981	)		(267,486	)		(257,591	)		(255,109	)
	Noninterest-earning assets(1)						3,150,359			2,946,801			2,968,951			2,767,624			2,954,656
				Total assets		$	42,785,965		$	41,501,680		$	39,369,500		$	38,660,657		$	37,484,573
	Interest-bearing liabilities:
		Checking accounts				$	7,541,679		$	6,801,571		$	6,283,029		$	5,883,423		$	6,137,213
		Money market and savings accounts					7,929,274			8,579,110			8,378,267			8,519,541			6,780,737
		Certificates of deposit					9,562,013			9,898,021			9,831,050			10,093,412			10,448,328
			Total interest-bearing deposits				25,032,966			25,278,702			24,492,346			24,496,376			23,366,278
		Federal Home Loan Bank advances					10,410,188			9,026,637			7,944,811			7,878,506			8,071,957
		Other borrowings					866,495			945,945			929,957			584,882			460,700
			Total interest-bearing liabilities				36,309,649			35,251,284			33,367,114			32,959,764			31,898,935
	Noninterest-bearing liabilities:
		Demand deposit accounts					2,017,036			2,024,854			1,789,713			1,743,736			1,695,741
		Other noninterest-bearing liabilities					1,266,385			1,175,213			1,173,108			1,017,623			997,966
			Total noninterest-bearing liabilities				3,283,421			3,200,067			2,962,821			2,761,359			2,693,707
				Total liabilities			39,593,070			38,451,351			36,329,935			35,721,123			34,592,642
	Shareholders’ equity						3,192,895			3,050,329			3,039,565			2,939,534			2,891,931
				Total liabilities and shareholders’ equity		$	42,785,965		$	41,501,680		$	39,369,500		$	38,660,657		$	37,484,573
Yields and costs during period:
	Weighted average yield:
		Loans and leases(2)					5.86	%		6.26	%		6.43	%		6.69	%		6.73	%
		Mortgage-backed securities					4.80			5.06			5.81			6.08			6.10
		Investment securities					5.87			5.70			6.44			6.84			8.05
		Other interest-earning assets					3.87			4.41			3.89			3.65			3.74
			Total interest-earning assets				5.48			5.88			6.19			6.43			6.51
	Weighted average cost(3):
		Checking accounts					1.65			1.92			2.13			2.08			2.40
		Money market and savings accounts					1.55			1.93			2.12			2.37			2.23
		Certificates of deposit					3.09			3.19			3.32			3.53			3.76
			Total interest-bearing deposits				2.17			2.42			2.61			2.78			2.96
		Federal Home Loan Bank advances					3.88			4.64			5.18			5.29			5.21
		Other borrowings					6.10			5.74			5.97			6.74			6.51
				Total interest-bearing liabilities			2.75			3.07			3.31			3.45			3.58
	Interest rate spread						2.73			2.81			2.88			2.98			2.93
	Net yield on interest-earning assets						2.99			3.07			3.17			3.30			3.26

(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.

9

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

					Three Months Ended
							3/31/03			12/31/02		9/30/02		6/30/02		3/31/02
					(Dollars in thousands)
Originations:
Real estate:
	Permanent:
		One-to-four family				$	3,095,718		$	3,440,287	$	2,481,022	$	1,974,839	$	2,657,994
		Multifamily					51,440			48,281		49,187		23,979		35,719
		Commercial					90,213			62,335		48,601		34,686		92,088
			Total permanent loans				3,237,371			3,550,903		2,578,810		2,033,504		2,785,801
	Construction:
		One-to-four family					3,499			7,996		5,748		7,941		14,031
		Multifamily					19,283			40,408		13,950		—		24,988
		Commercial					10,830			53,469		29,385		15,489		66,234
			Total construction loans				33,612			101,873		49,083		23,430		105,253
				Total real estate loans originated			3,270,983			3,652,776		2,627,893		2,056,934		2,891,054
Retail consumer							1,079,290			1,205,611		948,632		938,328		998,727
Automobile							981,114			916,539		1,012,926		781,763		684,045
Consumer finance							101,927			100,568		73,931		55,338		56,083
Leases							101,571			200,083		110,428		117,544		93,041
Corporate banking							448,326			451,915		512,600		399,173		353,640
			Total loans and leases originated				5,983,211			6,527,492		5,286,410		4,349,080		5,076,590
Acquired through business combinations and purchases							3,765			4,316		2,637		206,640		4,715
Sales and principal reductions:
	Loans sold						763,051			742,255		527,011		481,161		644,097
	Loans exchanged for mortgage-backed securities						3,419,116			1,600,962		809,167		1,539,682		2,717,271
	Principal reductions						2,993,773			3,554,745		2,894,793		2,447,093		2,921,080
				Total sales and principal reductions			7,175,940			5,897,962		4,230,971		4,467,936		6,282,448
				Increase (decrease) before net items		$	(1,188,964	)	$	633,846	$	1,058,076	$	87,784	$	(1,201,143	)

LOAN AND LEASE PORTFOLIO
(unaudited)

						3/31/03			12/31/02			9/30/02			6/30/02			3/31/02
				(Dollars in thousands)
Loan and lease portfolio, net(1):
	One-to-four family:
		Permanent:
			Fixed rate		$	5,506,314		$	5,869,554		$	5,942,919		$	5,556,239		$	5,695,007
			Adjustable rate			2,546,426			2,437,166			2,694,956			2,584,413			2,816,726
		Construction				412,973			427,729			427,871			414,716			397,838
						8,465,713			8,734,449			9,065,746			8,555,368			8,909,571
	Commercial real estate:
		Multifamily				920,295			953,688			1,017,393			1,036,049			1,119,565
		Commercial				1,340,272			1,307,593			1,313,243			1,321,438			1,311,263
						2,260,567			2,261,281			2,330,636			2,357,487			2,430,828
	Consumer:
		Retail				4,173,080			5,494,453			5,008,393			4,855,164			4,747,254
		Automobile				5,934,502			5,606,329			5,281,731			4,826,370			4,582,136
		Consumer finance				1,005,077			984,772			973,981			976,446			1,012,168
						11,112,659			12,085,554			11,264,105			10,657,980			10,341,558
	Business:
		Leases				2,125,905			2,133,468			2,028,687			2,026,955			2,022,104
		Corporate banking				1,368,069			1,318,003			1,242,869			1,213,789			1,070,610
						3,493,974			3,451,471			3,271,556			3,240,744			3,092,714
	Loans and leases before allowance for loan and lease losses					25,332,913			26,532,755			25,932,043			24,811,579			24,774,671
	Allowance for loan and lease losses					(355,926	)		(328,017	)		(292,800	)		(267,155	)		(258,605	)
	Loans and leases, net(1)				$	24,976,987		$	26,204,738		$	25,639,243		$	24,544,424		$	24,516,066
Portfolio of loans serviced for others					$	18,713,649		$	16,893,609		$	16,840,025		$	16,889,298		$	15,855,010

(1) Includes loans held for sale.

10

CHARTER ONE FINANCIAL, INC.
ALLOWANCE FOR LOAN AND LEASE LOSSES
(unaudited)

					Three Months Ended
						3/31/03			12/31/02			9/30/02			6/30/02			3/31/02
									(Dollars in thousands)
Allowance for loan and lease losses:
	Balance, beginning of period					$	328,017		$	292,800		$	267,155		$	258,605		$	255,478
	Provision for loan and lease losses						61,471			60,314			47,695			55,277			28,717
	Acquired through business combination						—			—			—			3,184			—
	Loans and leases charged off:
		One-to-four family					(670	)		(1,127	)		(643	)		(3,056	)		(976	)
		Commercial real estate					(500	)		(144	)		(290	)		(117	)		(801	)
		Retail consumer					(3,478	)		(3,004	)		(2,308	)		(5,530	)		(2,258	)
		Automobile					(16,450	)		(15,941	)		(16,429	)		(29,675	)		(16,920	)
		Consumer finance					(4,537	)		(5,785	)		(5,160	)		(11,628	)		(3,822	)
		Leases					(6,061	)		(88	)		(519	)		(1,801	)		(460	)
		Corporate banking					(7,245	)		(5,799	)		(4,776	)		(2,014	)		(4,023	)
			Total charge-offs(1)				(38,941	)		(31,888	)		(30,125	)		(53,821	)		(29,260	)
	Recoveries:
		One-to-four family					17			42			881			32			2
		Commercial real estate					148			41			488			9			121
		Retail consumer					433			588			484			359			403
		Automobile					4,115			3,582			3,574			3,123			2,408
		Consumer finance					105			191			238			32			63
		Leases					393			1,897			430			—			—
		Corporate banking					168			450			1,980			355			673
			Total recoveries				5,379			6,791			8,075			3,910			3,670
				Net loan and lease charge-offs(1)			(33,562	)		(25,097	)		(22,050	)		(49,911	)		(25,590	)
	Balance, end of period					$	355,926		$	328,017		$	292,800		$	267,155		$	258,605
	Net charge-offs to average loans and leases (annualized)(1)						.52	%		.38	%		.35	%		.80	%		.40	%

NET CHARGE-OFFS TO AVERAGE LOANS AND LEASES
(unaudited)

			Three Months Ended
				3/31/03			12/31/02			9/30/02			6/30/02			3/31/02
			(Dollars in thousands)
Average loans and leases:
	Mortgage			$	11,083,170		$	11,659,164		$	11,265,962		$	11,088,463		$	12,137,744
	Retail consumer				4,510,460			5,264,728			4,969,219			4,827,223			4,817,681
	Automobile				5,763,289			5,447,392			5,035,920			4,740,267			4,479,405
	Consumer finance				995,653			980,524			972,843			1,002,306			1,024,748
	Leases				2,145,022			2,085,474			2,029,779			2,036,604			2,011,255
	Corporate banking				1,353,877			1,253,470			1,186,681			1,143,147			1,060,009
		Total average loans and leases		$	25,851,471		$	26,690,752		$	25,460,404		$	24,838,010		$	25,530,842
Net charge-offs to average loans and leases (annualized)(1):
	Mortgage				.04	%		.04	%		(.02	)%		.11	%		.05	%
	Retail consumer				.27			.18			.15			.43			.15
	Automobile				.86			.91			1.02			2.24			1.30
	Consumer finance				1.78			2.28			2.02			4.63			1.47
	Leases				1.06			(.35	)		.02			.35			.09
	Corporate banking				2.09			1.71			.94			.58			1.26
		Total			.52	%		.38	%		.35	%		.80	%		.40	%

(1) Includes $27.3 million in net charge-offs recorded in the second quarter of 2002 in conjunction with Charter One’s adoption of a new loan charge-off policy in which consumer loans are charged off based upon delinquency, repossession and in certain cases, at the point of bankruptcy discharge. Previously, Charter One’s policy was to record charge-offs of loans secured by one-to-four family real estate at the point of foreclosure and automobile loans at the point of repossessed collateral disposition. This new policy will neither increase nor decrease ultimate net loan charge-offs. It simply accelerates the timing of the recognition of the loss on these consumer loans. This new policy was implemented prospectively and as such, prior periods have not been restated. Management believes the changes to this policy conforms Charter One’s charge-off methodology to that of its commercial banking peers.

11

CHARTER ONE FINANCIAL, INC.
NONPERFORMING AND UNDERPERFORMING ASSETS
(unaudited)

					3/31/03			12/31/02			9/30/02			6/30/02			3/31/02
								(Dollars in thousands)
Nonperforming assets(1):
	Nonaccrual loans and leases:
		Real estate mortgage loans:
			One-to-four family(2)		$	27,867		$	27,904		$	31,528		$	34,641		$	82,721
			Multifamily and commercial			5,591			5,369			6,621			4,640			15,178
			Construction and land			8,015			9,885			10,598			11,273			12,713
				Total real estate mortgage loans		41,473			43,158			48,747			50,554			110,612
		Retail consumer(2)				12,046			13,937			14,128			12,092			17,323
		Automobile				—			—			—			—			—
		Consumer finance(2)				42,562			40,227			38,403			40,313			69,259
		Leases				15,264			6,211			7,964			8,958			2,256
		Corporate banking				42,068			39,098			37,230			19,807			21,548
				Total nonaccrual loans and leases		153,413			142,631			146,472			131,724			220,998
				Less government guaranteed loans(1)		—			—			—			—			21,789
				Total nonaccrual loans net of government guaranteed loans		153,413			142,631			146,472			131,724			199,209
	Restructured real estate mortgage loans					494			501			1,149			1,159			1,169
				Total nonperforming loans and leases		153,907			143,132			147,621			132,883			200,378
	Real estate and other collateral owned(3)					40,020			40,776			40,270			40,186			53,291
				Total nonperforming assets	$	193,927		$	183,908		$	187,891		$	173,069		$	253,669
Ratio of (excluding government guaranteed loans):
	Nonperforming loans and leases to total loans and leases					.62	%		.55	%		.58	%		.54	%		.82	%
	Nonperforming assets to total assets					.45			.44			.47			.44			.67
	Nonperforming assets to total loans, leases and real estate and other collateral owned					.78			.70			.73			.70			1.03
	Allowance for loan and lease losses to:
		Nonperforming loans and leases				231.26			229.17			198.35			201.05			129.06
		Total loans and leases before allowance				1.40			1.24			1.13			1.08			1.04
Accruing loans and leases delinquent more than 90 days(1):
	Real estate mortgage loans:
		One-to-four family			$	23,507		$	25,643		$	24,854		$	21,781		$	—
		Multifamily and commercial				—			—			—			944			—
		Construction and land				—			—			—			—			—
			Total real estate mortgage loans			23,507			25,643			24,854			22,725			—
	Retail consumer					3,229			4,758			5,630			4,362			3,734
	Automobile					3,579			3,621			2,595			2,211			5,756
	Consumer finance					27,395			26,739			25,269			19,470			—
	Leases					181			19			—			219			716
	Corporate banking					471			1,536			1,955			3,330			966
		Total accruing loans and leases delinquent more than 90 days				58,362			62,316			60,303			52,317			11,172
		Less government guaranteed loans(1)				—			—			—			—			1,600
			Total accruing loans and leases delinquent more than 90 days		$	58,362		$	62,316		$	60,303		$	52,317		$	9,572
Total underperforming assets					$	252,289		$	246,224		$	248,194		$	225,386		$	263,241
Ratio of (excluding government guaranteed loans):
	Underperforming assets to total assets					.58	%		.59	%		.62	%		.57	%		.70	%
	Underperforming assets to total loans, leases and real estate and other collateral owned					1.01			.94			.97			.92			1.07

(1)	Effective June 30, 2002, amounts exclude loans guaranteed by the Federal Housing Administration or Veterans’ Administration. Prior periods have not been restated.
(2)	Effective June 30, 2002, Charter One adopted a new accrual policy in which consumer loans secured by residential real estate are placed on nonaccrual at six payments past due as long as the loan is well secured and in the process of collection. This new policy was implemented prospectively and as such, prior periods have not been restated. The change in the accrual policy did not have a material impact on interest income. Management believes the changes to this policy conforms Charter One’s accrual methodology to that of its commercial banking peers.
(3)	Effective for the period ended June 30, 2002, Charter One adopted a new loan charge-off policy in which automobile loans are charged off based upon repossession and in certain cases, at the point of bankruptcy discharge. Any automobile loan reaching 120 days delinquent will be charged off completely. Previously, Charter One’s policy was to record charge-offs of loans secured by automobiles at the point of repossessed collateral disposition. This new policy was implemented prospectively and as such, prior periods have not been restated. Management believes the changes to this policy conforms Charter One’s charge-off methodology to that of its commercial banking peers.

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