Financial Highlights

(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 exclude the effect of a one-time after-tax charge of $30.2 million related to the merger with D&N Financial Corporation recorded in the second quarter. The charge consisted of $22 million in merger and restructuring charges, a $4.9 million loss on the sale of low-yielding fixed rate securities, and an additional $3.3 million provision for loan losses.
(3) All per share amounts presented have been adjusted to reflect the issuance of stock dividends or stock splits.