1 EXHIBIT 13 (c) Summary of Quarterly Results 34 2 SUMMARY OF QUARTERLY RESULTS (In thousands, except per share amounts - unaudited) QUARTER ENDED ------------------------------------------- MAR 31 JUN 30 SEP 30 DEC 31 ------- ------- ------- ------- 1995: Interest revenue $58,601 $62,525 $64,974 $66,327 Net interest revenue 33,022 33,805 35,077 36,066 Provision for credit losses 1,297 1,241 2,058 1,610 Income before income taxes 11,648 12,909 13,740 12,957 Net income 7,905 8,869 9,544 9,186 Earnings per share 0.35 0.46 0.45 0.43 Dividends per share 0.15 0.15 0.15 0.17 1994: Interest revenue $48,000 $50,419 $53,261 $56,215 Net interest revenue 28,636 29,677 31,471 33,082 Provision for credit losses 1,114 1,479 1,822 1,531 Income before income taxes 9,398 9,663 11,926 12,573 Net income 6,789 7,070 8,003 8,866 Earnings per share 0.33 0.35 0.39 0.44 Dividends per share 0.135 0.135 0.135 0.15 1993: Interest revenue $48,054 $48,883 $48,221 $48,711 Net interest revenue 28,379 29,188 28,628 28,959 Provision for credit losses 2,206 2,244 2,551 2,031 Income before income taxes and accounting change 9,018 10,326 10,738 9,640 Net income before accounting change 6,725 7,652 8,006 7,123 Net income 10,154 7,652 8,006 7,123 Earnings per share before accounting change 0.34 0.38 0.40 0.35 Dividends per share 0.135 0.135 0.135 0.135