Exhibit 99.1

Reconciliation to Press Release Issued on October 16, 2003

	As reported on 10/16/03									As reported on 10/29/03									Change
				Quarter			Nine Months						Quarter			Nine Months						Quarter			Nine Months
	As of			ended			ended			As of			ended			ended			As of			ended			ended
Dollars in millions	9/30/03			9/30/03			9/30/03			9/30/03			9/30/03			9/30/03			9/30/03			9/30/03			9/30/03
Mortgage portfolio, net	$	919,424								$	921,171								$	1,747
Total assets		1,018,135									1,019,171									1,036
Unrealized gains on securities, net		2,136									3,415									1,279
Cash flow hedging results, net FAS 149		(2,408	)								(2,551	)								(143	)
Total accumulated OCI		(16,364	)								(15,228	)								1,136
Total stockholders’ equity		16,388									17,524									1,136
Estimate of core capital in excess of statutory minimum		1,351									1,316									(35	)
FAS 133 component of AOCI as a percentage of net mortgage balance		1.8	%								1.7	%								-0.1	%
Return on common equity					64.9	%		50.5	%					63.8	%		50.1	%					-1.1	%		-0.4	%
Average net mortgage investment				$	840,523		$	817,847					$	840,851		$	817,956						328			109
Average total net investment					926,027			896,049						926,355			896,158						328			109

Contact: Janis Smith
202-752-6673