Accounting Changes Discussion Accounting Changes Acquisition of Own Stock Discussion Acquisition of Own Stock Additional Factors that May Affect Future Results Discussion Additional Factors that May Affect Future Results Allowance for Loan Losses Discussion Allowance for Loan Losses Alternative Measures of Performance Discussion Alternative Measures of Performance Analysis of Consolidated Statement of Income Discussion Analysis of Consolidated Statement of Income Anticipated Cash Flow Discussion Anticipated Cash Flow Asset Quality Discussion Asset Quality Business Combinations Discussion Business Combinations Changes in Accounting Estimates Discussion Change in Accounting Estimates Changes in and Disagreements with Accountants Discussion Disagreements with Accountants Changes to Pension Plans and Impact Discussion Pension Plans and Impact Contingencies Discussion Contingencies Costs and Expenses Discussion Costs and Expenses Deposits and Other Sources of Funds Discussion Deposits and Other Sources of Funds Derivatives Activities Discussion Derivatives Activities Description of Business Description of Business Discontinued Operations Discussion Discontinued Operations Dividends Discussion Dividends Effects of Equity Instruments Being Issued or Received from Partners Discussion Effects of Equity Instruments Being Issued or Received from Partners Exposure for Asbestos Treatment Costs Discussion Exposure for Asbestos Treatment Costs Federal Financial Assistance Discussion Federal Financial Assistance Fees of Independent Auditors Discussion Fees of Independent Auditors Financial Condition Discussion Financial Condition Loans Discussion Loans Foreign Operations and Foreign Currency Transactions Discussion Foreign Operations and Foreign Currency Transactions Forward Looking Statements Discussion Forward Looking Statements Impact of Inflation Discussion Impact of Inflation Impairment and Goodwill Discussion Impairment and Goodwill Discussion Investments Discussion Investments Liquidity Capital Resources - Cash Outlays for Income Taxes Cash Outlays for Income Taxes Liquidity Capital Resources - Changes in Earnings Per Share Change in Earnings Per Share Liquidity Capital Resources Discussion Liquidity Capital Resources Liquidity Capital Resources - High Yield/Highly Leveraged Transactions High Yield/Highly Leveraged Transactions Liquidity Capital Resources - Leveraged Employees Stock Ownership Plans Leveraged Employee Stock Ownership Plans Management Information Discussion Management Information Management's Discussion and Analysis Management's Discussion and Analysis Revenue Recognition Discussion Revenue Recognition Material Changes Discussion Material Changes Nonperforming Assets Discussion Nonperforming Assets General Operations Discussion Operations - General Net Interest Income Note/Discussion Net Interest Income Noninterest Expense Discussion Noninterest Expense Noninterest Income Discussion Noninterest Income Income Taxes Discussion Operations - Income Taxes Product Development Discussion Product Developments Quantitative and Qualitative Disclosures about Market Risk Discussion Quantitative and Qualitative Disclosures about Market Risk Quantitative and Qualitative Disclosures about Market Risk - Qualitative Disclosures Qualitative Disclosures Quantitative and Qualitative Disclosures about Market Risk - Quantitative Disclosures - General General Quantitative and Qualitative Disclosures about Market Risk - Sensitivity Analysis Sensitivity Analysis Quantitative and Qualitative Disclosures about Market Risk - Tabular Presentation Tabular Presentation Quantitative and Qualitative Disclosures about Market Risk - Value at Risk Value at Risk Restructuring Charges Discussion Restructuring Charges Restructuring Charges - Material Restructuring Charges Material Restructuring Charges Restructuring Charges - Nature and Amounts of Exit Costs Nature and Amounts of Exit Costs Restructuring Charges - Prior Period Restructuring Charges Prior Period Restructuring Charges Revenues Discussion Revenues Business Segments - Foreign Operations Risks Foreign Operations Risks Business Segments Discussion Segments of a Business Business Segments - Principle Markets Distribution Principle Markets and Distribution Business Segments - Revenue Contributed by Type of Product or Service Revenue Contributed by Type of Product or Service Selected Financial Data Selected Financial Data Selected Financial Data - Matters Affecting Comparability Matters Affecting Comparability Selected Financial Data - Pro Forma Information for Accounting Change Pro Forma Information for Accounting Change Significant Accounting Policies and Assumptions Significant Accounting Policies and Assumptions Euro Conversion Discussion Euro Conversion