1 EXHIBIT 13(c) Summary of Quarterly Results 2 SUMMARY OF QUARTERLY RESULTS (UNAUDITED) (In thousands, except per share amounts) QUARTER ENDED ------------------------------------------------------- MAR 31 JUN 30 SEP 30 DEC 31 ------- ------- ------- ------- 1996: Interest revenue $66,814 $68,108 $70,237 $72,760 Net interest revenue 36,256 37,183 38,371 39,604 Provision for credit losses 1,444 3,060 2,500 1,800 Income before income taxes 14,002 17,402 15,594 17,885 Net income 9,449 11,200 10,564 11,670 Earnings per share 0.45 0.53 0.50 0.55 Dividends per share 0.17 0.17 0.17 0.19 1995: Interest revenue $58,668 $62,514 $64,921 $66,324 Net interest revenue 33,060 33,783 35,061 36,066 Provision for credit losses 1,298 1,240 2,057 1,611 Income before income taxes 11,624 12,933 13,740 12,957 Net income 7,905 8,869 9,544 9,186 Earnings per share 0.38 0.42 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