Condensed Consolidated Financial Statements

(1) All prior year amounts have been restated for the merger with D&N Financial Corporation in May 1999, which was accounted for as a pooling of interests.

(1) All prior year amounts have been restated for the merger with D&N Financial Corporation in May 1999, which was accounted for as a pooling of interests.
(2) Amounts for 1999 include the effect of a one-time after-tax charge of $30.2 million related to the merger with D&N Financial Corporation.