Exhibit 99.2

FINANCIAL INFORMATION (Cont.)
(Unaudited)
SUMMARY OF OPERATIONS
($ in thousands, except per-share data)					QUARTER	ENDED
	December 31		September 30		June 30		March 31		December 31
	2004		2004		2004		2004		2003
Interest income	$ 272,936		$ 261,558		$ 240,060		$ 227,879		$ 225,074
Interest expense	77,065		69,719		55,540		49,436		49,638
Net interest income	195,871		191,839		184,520		178,443		175,436
Provision for loan losses	12,000		12,250		12,000		12,000		13,300
Net interest income after provision	183,871		179,589		172,520		166,443		162,136
Noninterest income:
Service charges on deposits	48,047		48,115		44,736		40,786		42,519
Card-related fees	16,230		15,994		15,333		12,517		11,713
Mortgage banking	6,053		5,701		30,240		(7,149	)	980
Retail investment fees	6,634		7,887		8,138		7,698		6,914
Trust fees	5,381		5,839		5,881		6,172		5,981
Insurance	4,344		4,808		4,766		4,807		3,940
Investment banking	6,206		5,017		3,653		3,784		3,101
Other service, collection and exchange charges	5,228		5,585		5,392		5,233		5,220
Other operating income	3,750		4,992		5,629		4,343		10,202
Securities gains (losses), net	43		153		(22,405	)	1,865		(12,152	)
Noninterest income	101,916		104,091		101,363		80,056		78,418
Noninterest expense:
Salaries and employee benefits	88,150		87,347		84,887		76,008		67,520
Occupancy and equipment	22,271		22,035		20,291		19,000		17,449
Data processing	9,337		9,540		10,044		9,207		8,492
Advertising and promotional expense	7,267		8,350		8,307		7,774		5,484
Stationery and supplies, postage and telecommunications	7,307		7,318		7,611		6,387		5,976
Amortization of purchase accounting intangibles	1,826		1,904		1,551		1,161		1,191
Foreclosed property expense, net	(911	)	(493	)	(250	)	35		160
Other operating expense	32,672		30,350		28,361		25,487		25,333
Noninterest expense	167,919		166,351		160,802		145,059		131,605
Income before income taxes and minority interest	117,868		117,329		113,081		101,440		108,949
Income tax expense	40,746		40,823		39,700		35,419		37,456
Minority interest	5		40		31		--		--
Net income	$   77,117		$   76,466		$   73,350		$   66,021		$   71,493
Net income per common share	$       0.50		$       0.50		$       0.48		$       0.43		$       0.47
Net income per common share - assuming dilution	$       0.49		$       0.49		$       0.47		$       0.42		$       0.46
Return on average assets	1.41	%	1.44	%	1.46	%	1.42	%	1.59	%
Return on average equity	16.18	%	16.40	%	16.11	%	14.66	%	16.48	%

FINANCIAL INFORMATION (Cont.)
(Unaudited)
AVERAGE BALANCES		THREE	MONTHS	ENDED			YE	AR	ENDED
($ in millions)
	December 31		December 31		CHANGE		December 31		December 31		CHANGE
	2004		2003				2004		2003
Assets
Cash and due from banks	$          640	.6	$          579	.9	10	%	$          617	.4	$          595	.7	4	%
Short-term investments	501	.6	101	.4	395		255	.3	230	.4	11
Securities	4,301	.2	3,942	.0	9		4,151	.2	3,943	.1	5
Mortgage loans held for sale	83	.8	226	.9	(63	)	122	.1	421	.9	(71	)
Loans	15,555	.9	12,513	.8	24		14,558	.0	11,915	.0	22
Reserve for loan losses	(236	.4)	(214	.2)	10		(228	.8)	(213	.8)	7
Loans, net	15,319	.5	12,299	.6	25		14,329	.2	11,701	.2	22
Intangible assets:
Goodwill	337	.5	209	.1	61		292	.5	209	.1	40
Mortgage servicing rights	1	.0	122	.3	(99	)	84	.8	111	.4	(24	)
Other intangible assets	32	.5	13	.2	146		23	.7	15	.0	58
Other assets	654	.0	484	.9	35		575	.0	529	.2	9
Total assets	$     21,871	.7	$     17,979	.3	22	%	$     20,451	.2	$     17,757	.0	15	%
Liabilities
Noninterest-bearing deposits	$      3,340	.5	$      2,858	.4	17	%	$      3,176	.2	$      2,891	.9	10	%
Interest-bearing deposits	13,677	.2	10,797	.0	27		12,732	.6	10,717	.0	19
Total deposits	17,017	.7	13,655	.4	25		15,908	.8	13,608	.9	17
Short-term borrowings	537	.2	969	.9	(45	)	719	.4	709	.6	1
Other liabilities	493	.0	516	.5	(5	)	334	.2	500	.9	(33	)
Debt	1,917	.6	1,101	.8	74		1,640	.1	1,224	.2	34
Total liabilities	19,965	.5	16,243	.6	23		18,602	.5	16,043	.6	16
Shareholders' equity	1,906	.2	1,735	.7	10		1,848	.7	1,713	.4	8
Total liabilities and shareholders' equity	$     21,871	.7	$     17,979	.3	22	%	$     20,451	.2	$     17,757	.0	15	%

FINANCIAL INFORMATION (Cont.)
(Unaudited)
PERIOD-END BALANCES	December 31		December 31				September 30
($ in millions)	2004		2003		CHANGE		2004		CHANGE
Assets
Cash and due from banks	$          612	.9	$          699	.1	(12	)%	$          629	.0	(3	)%
Short-term investments	538	.2	262	.4	105		327	.4	64
Securities	4,560	.2	3,926	.7	16		4,031	.0	13
Mortgage loans held for sale	78	.1	195	.2	(60	)	87	.4	(11	)
Loans:
Commercial	3,997	.9	3,234	.2	24		3,655	.8	9
Small business	3,241	.1	2,642	.9	23		3,428	.5	(5	)
Consumer	8,480	.2	7,005	.9	21		8,417	.7	1
Total loans	15,719	.2	12,883	.0	22		15,502	.0	1
Reserve for loan losses	(227	.6)	(213	.3)	7		(235	.2)	(3	)
Loans, net	15,491	.6	12,669	.7	22		15,266	.8	1
Intangible assets:
Goodwill	337	.4	209	.1	61		337	.4	--
Mortgage servicing rights	1	.6	118	.3	(99	)	0	.4	300
Other intangible assets	31	.7	12	.7	150		33	.5	(5	)
Other assets	656	.4	467	.2	40		640	.5	2
Total assets	$     22,308	.1	$     18,560	.4	20	%	$     21,353	.4	4	%
Liabilities
Noninterest-bearing deposits	$      3,264	.2	$      2,827	.6	15	%	$      3,245	.5	1	%
Interest-bearing deposits	14,114	.7	11,331	.9	25		13,496	.2	5
Total deposits	17,378	.9	14,159	.5	23		16,741	.7	4
Short-term borrowings	555	.3	1,280	.8	(57	)	545	.9	2
Other liabilities	521	.4	240	.8	117		249	.1	109
Debt	1,910	.6	1,101	.8	73		1,925	.2	(1	)
Total liabilities	20,366	.2	16,782	.9	21		19,461	.9	5
Shareholders' equity
Common stock	328	.5	323	.0	2		327	.6	--
Surplus	563	.0	515	.3	9		551	.8	2
Retained earnings	1,347	.5	1,171	.5	15		1,301	.2	4
Treasury stock	(297	.6)	(227	.0)	31		(289	.9)	3
Accumulated other comprehensive
income	15	.2	12	.8	19		18	.9	(20	)
Unearned compensation	(14	.7)	(18	.1)	(19	)	(18	.1)	(19	)
Total shareholders' equity	1,941	.9	1,777	.5	9		1,891	.5	3
Total liabilities and shareholders' equity	$     22,308	.1	$     18,560	.4	20	%	$     21,353	.4	4	%

FINANCIAL INFORMATION (Cont.)
(Unaudited)
PERIOD-END BALANCES	December 31		September 30		June 30		March 31		December 31
($ in millions)	2004		2004		2004		2004		2003
Assets
Cash and due from banks	$          612	.9	$          629	.0	$          623	.5	$          561	.3	$          699	.1
Short-term investments	538	.2	327	.4	24	.4	415	.3	262	.4
Securities	4,560	.2	4,031	.0	4,162	.0	3,918	.7	3,926	.7
Mortgage loans held for sale	78	.1	87	.4	112	.0	152	.0	195	.2
Loans:
Commercial	3,997	.9	3,655	.8	3,636	.8	3,205	.9	3,234	.2
Small business	3,241	.1	3,428	.5	3,401	.3	2,730	.9	2,642	.9
Consumer	8,480	.2	8,417	.7	8,291	.5	7,155	.1	7,005	.9
Total loans	15,719	.2	15,502	.0	15,329	.6	13,091	.9	12,883	.0
Reserve for loan losses	(227	.6)	(235	.2)	(235	.1)	(213	.5)	(213	.3)
Loans, net	15,491	.6	15,266	.8	15,094	.5	12,878	.4	12,669	.7
Intangible assets:
Goodwill	337	.4	337	.4	337	.4	209	.1	209	.1
Mortgage servicing rights	1	.6	0	.4	125	.3	102	.8	118	.3
Other intangible assets	31	.7	33	.5	35	.4	11	.5	12	.7
Other assets	656	.4	640	.5	796	.6	467	.7	467	.2
Total assets	$     22,308	.1	$     21,353	.4	$     21,311	.1	$     18,716	.8	$     18,560	.4
Liabilities
Noninterest-bearing deposits	$      3,264	.2	$      3,245	.5	$      3,224	.5	$      3,180	.6	$      2,827	.6
Interest-bearing deposits	14,114	.7	13,496	.2	13,153	.1	11,701	.6	11,331	.9
Total deposits	17,378	.9	16,741	.7	16,377	.6	14,882	.2	14,159	.5
Short-term borrowings	555	.3	545	.9	793	.2	640	.1	1,280	.8
Other liabilities	521	.4	249	.1	342	.9	261	.0	240	.8
Debt	1,910	.6	1,925	.2	1,956	.0	1,101	.7	1,101	.8
Total liabilities	20,366	.2	19,461	.9	19,469	.7	16,885	.0	16,782	.9
Shareholders' equity
Common stock	328	.5	327	.6	326	.2	325	.1	323	.0
Surplus	563	.0	551	.8	540	.1	532	.0	515	.3
Retained earnings	1,347	.5	1,301	.2	1,255	.5	1,209	.9	1,171	.5
Treasury stock	(297	.6)	(289	.9)	(267	.5)	(252	.6)	(227	.0)
Accumulated other comprehensive
income	15	.2	18	.9	5	.2	35	.5	12	.8
Unearned compensation	(14	.7)	(18	.1)	(18	.1)	(18	.1)	(18	.1)
Total shareholders' equity	1,941	.9	1,891	.5	1,841	.4	1,831	.8	1,777	.5
Total liabilities and shareholders' equity	$     22,308	.1	$     21,353	.4	$     21,311	.1	$     18,716	.8	$     18,560	.4

FINANCIAL INFORMATION (Cont.)
(Unaudited)
SELECTED FINANCIAL DATA	4Q 2004		3Q 2004		2Q 2004		1Q 2004		4Q 2003
Net income per common share	$ 0.50		$ 0.50		$ 0.48		$ 0.43		$ 0.47
Net income per common share - assuming dilution	$ 0.49		$ 0.49		$ 0.47		$ 0.42		$ 0.46
Return on average assets	1.41	%	1.44	%	1.46	%	1.42	%	1.59	%
Return on average equity	16.18	%	16.40	%	16.11	%	14.66	%	16.48	%
Net interest margin--taxable equivalent	3.90	%	3.90	%	4.00	%	4.17	%	4.27	%
Efficiency ratio	56.12	%	55.97	%	51.91	%	56.18	%	49.18	%
Common shares outstanding (000s)	155,245		155,061		155,174		155,286		155,261
Average common shares outstanding (000s)(1)	153,845		153,908		153,805		153,876		153,669
Average common shares outstanding (000s)
- assuming dilution(1)	157,240		156,899		156,353		156,960		156,572
Book value per common share	$ 12.60		$ 12.31		$ 11.98		$ 11.91		$ 11.55
Tangible book value per common share	$ 10.21		$ 9.90		$ 9.55		$ 10.47		$ 10.11
Tangible equity as a % of tangible assets	7.17	%	7.25	%	7.01	%	8.71	%	8.48	%
Average equity as a % of average assets	8.72	%	8.77	%	9.06	%	9.71	%	9.65	%
Leverage ratio	7.51	%	7.46	%	7.69	%	8.56	%	8.65	%
CREDIT QUALITY DATA
($ in thousands)
Nonperforming loans	$ 65,086		$ 64,328		$ 64,761		$ 52,863		$ 55,576
Foreclosed assets	11,685		11,143		11,930		10,688		11,512
Excess bank-owned property	986		264		265		369		678
Total nonperforming assets	$ 77,757		$ 75,735		$ 76,956		$ 63,920		$ 67,766
Loans 90 days or more past due	$ 9,569		$ 8,743		$ 9,074		$ 6,661		$ 7,730
Provision for loan losses	$ 12,000		$ 12,250		$ 12,000		$ 12,000		$ 13,300
Net charge-offs	$ 13,659		$ 12,094		$ 11,262		$ 11,772		$ 13,305
Reserve for loan losses	$227,574		$235,233		$235,077		$213,503		$ 213,275
Net charge-offs as a % of average loans	0.35	%	0.31	%	0.32	%	0.36	%	0.43	%
Reserves as a % of total loans	1.45	%	1.52	%	1.53	%	1.63	%	1.66	%
Reserves as a % of nonperforming loans	349.65	%	365.68	%	362.99	%	403.88	%	383.75	%
Nonperforming loan ratio	0.41	%	0.41	%	0.42	%	0.40	%	0.43	%
Nonperforming asset ratio	0.49	%	0.49	%	0.50	%	0.49	%	0.53	%
(1) net of uncommitted ESOP shares

FINANCIAL INFORMATION (Cont.)
(Unaudited)
AVERAGE BALANCES, INTEREST							QUARTER	ENDED
AND RATES
(Average balances $ in millions,
taxable-equivalent interest $ in thousands)		December	31,	2004				September	30,	2004				December	31,	2003
	Average						Average						Average
	Balance		Interest		Rate		Balance		Interest		Rate		Balance		Interest		Rate
Assets
Interest-earning assets:
Loans	$     15,555	.9	$227,792		5.83	%	$     15,407	.4	$218,503		5.65	%	$     12,513	.8	$184,568		5.86	%
Securities	4,062	.1	43,003		4.23		4,150	.7	42,648		4.11		3,638	.5	38,543		4.24
Short-term investments	501	.6	2,451		1.94		111	.1	461		1.65		101	.4	408		1.59
Mortgage loans held for sale	83	.8	1,169		5.58		92	.1	1,383		6.01		226	.9	3,163		5.58
Total interest-earning assets	20,203	.4	$274,415		5.41	%	19,761	.3	$262,995		5.30	%	16,480	.6	$226,682		5.47	%
Reserve for loan losses	(236	.4)					(236	.6)					(214	.2)
Noninterest-earning assets	1,904	.7					1,744	.4					1,712	.9
Total assets	$     21,871	.7					$     21,269	.1					$     17,979	.3
Liabilities and shareholders' equity
Interest-bearing liabilities:
NOW/Money market/Savings accounts	$      7,529	.9	$  22,166		1.17	%	$      7,489	.4	$  19,756		1.05	%	$      6,320	.6	$  11,050		0.69	%
Other consumer time deposits	3,350	.4	20,816		2.47		3,193	.0	18,602		2.32		2,228	.9	15,545		2.77
Public fund certificates of deposit
of $100,000 or more	783	.1	3,699		1.88		757	.8	2,869		1.51		741	.7	2,262		1.21
Certificates of deposit of $100,000 or more	1,243	.1	9,070		2.90		1,230	.5	8,559		2.77		870	.2	6,424		2.93
Foreign time deposits	770	.7	3,221		1.66		654	.9	2,047		1.24		635	.6	1,357		0.85
Total interest-bearing deposits	13,677	.2	58,972		1.72		13,325	.6	51,833		1.55		10,797	.0	36,638		1.35
Short-term borrowings	537	.2	2,015		1.49		586	.0	1,605		1.09		969	.9	1,964		0.80
Debt	1,917	.6	16,078		3.29		1,950	.9	16,281		3.28		1,101	.8	11,036		3.97
Total interest-bearing liabilities	16,132	.0	$  77,065		1.90	%	15,862	.5	$  69,719		1.74	%	12,868	.7	$  49,638		1.53	%
Noninterest-bearing liabilities:
Noninterest-bearing deposits	3,340	.5					3,257	.9					2,858	.4
Other liabilities	493	.0					283	.3					516	.5
Total noninterest-bearing liabilities	3,833	.5					3,541	.2					3,374	.9
Total shareholders' equity	1,906	.2					1,865	.4					1,735	.7
Total liabilities and shareholders' equity	$     21,871	.7					$     21,269	.1					$     17,979	.3
Net interest income/margin			$197,350		3.90	%			$193,276		3.90	%			$177,044		4.27	%

FINANCIAL INFORMATION (Cont.)
(Unaudited)
AVERAGE BALANCES, INTEREST					YEAR	ENDED
AND RATES
(Average balances $ in millions,
taxable-equivalent interest $ in thousands)		December	31,	2004				December	31,	2003
	Average						Average
	Balance		Interest		Rate		Balance		Interest		Rate
Assets
Interest-earning assets:
Loans	$     14,558	.0	$   829,977		5.70 %		$     11,915	.0	$735,247		6.17 %
Securities	4,062	.3	167,592		4.13		3,717	.6	156,457		4.21
Short-term investments	255	.3	4,217		1.65		230	.4	3,424		1.49
Mortgage loans held for sale	122	.1	6,644		5.44		421	.9	22,010		5.22
Total interest-earning assets	18,997	.7	$1,008,430		5.31 %		16,284	.9	$917,138		5.63 %
Reserve for loan losses	(228	.8)					(213	.8)
Noninterest-earning assets	1,682	.3					1,685	.9
Total assets	$     20,451	.2					$     17,757	.0
Liabilities and shareholders' equity
Interest-bearing liabilities:
NOW/Money market/Savings accounts	$      7,292	.1	$     67,943		0.93 %		$      6,090	.4	$  45,141		0.74 %
Other consumer time deposits	2,851	.5	70,332		2.47		2,307	.1	67,228		2.91
Public fund certificates of deposit
of $100,000 or more	793	.1	11,382		1.44		838	.2	13,175		1.57
Certificates of deposit of $100,000 or more	1,116	.5	31,514		2.82		904	.2	27,083		3.00
Foreign time deposits	679	.4	8,004		1.18		577	.1	5,668		0.98
Total interest-bearing deposits	12,732	.6	189,175		1.49		10,717	.0	158,295		1.48
Short-term borrowings	719	.4	7,146		0.99		709	.6	6,338		0.89
Debt	1,640	.1	55,439		3.38		1,224	.2	74,919		6.12
Total interest-bearing liabilities	15,092	.1	$   251,760		1.67 %		12,650	.8	$239,552		1.89 %
Noninterest-bearing liabilities:
Noninterest-bearing deposits	3,176	.2					2,891	.9
Other liabilities	334	.2					500	.9
Total noninterest-bearing liabilities	3,510	.4					3,392	.8
Total shareholders' equity	1,848	.7					1,713	.4
Total liabilities and shareholders' equity	$     20,451	.2					$     17,757	.0
Net interest income/margin			$   756,670		3.98 %				$677,586		4.16 %

FINANCIAL INFOMATION (Cont.)
(Unaudited)
RECONCILIATION OF SELECTED NON-GAAP FINANCIAL INFORMATION
PERIOD-END BALANCES
($ in millions)

	December 31   2004		December 31 2003		CHANGE		Coastal at   Legal Merger*		December 31, 2004 Adjusted to Exclude Coastal		Adjusted December 31, 2004 to December 31, 2003 CHANGE
Loans	$ 15,719.	2	$ 12,883.	0	22	%	$ 1,957.8		$ 13,761.4		7	%
Deposits	$ 17,378.	9	$ 14,159.	5	23	%	$ 1,695.9		$ 15,683.0		11	%
*Coastal Bancorp, Inc. balances at legal merger date 5/13/04.
COASTAL MERGER EXPENSE DETAIL
($ in thousands)
	4Q 2004		3Q 2004			2Q 2004		1Q 2004
Salaries and benefits	$    245		$    662			$   1,034		$   ---
Occupancy and equipment	---		5			450		---
Data Processing	34		178			374		55
Advertising and promotional expense	33		636			632		42
Stationery and supplies, postage
and telecommunications	6		170			128		6
Other operating expense	420		672			562		104
Total merger costs	$ 738		$ 2,323			$   3,180		$ 207
MORTGAGE BANKING
($ in thousands)	4Q 2004		3Q 2004		2Q 2004		1Q 2003		4Q 2003
Mortgage loan origination and servicing fees	$ 4,610		$   9,817		$   9,614		$ 9,901		$  10,117
Gains on sales of mortgage loans	2,492		3,159		4,069		2,180		3,085
Loss on sale of mortgage servicing rights	(926	)	(982	)	--		--		--
Amortization of mortgage servicing rights	(123	)	(6,293	)	(7,443	)	(9,230	)	(8,722	)
Reversal of (provision for) temporary impairment of
mortgage servicing rights	--		--		24,000		(10,000	)	(3,500	)
Mortgage banking	$  6,053		$  5,701		$30,240		($  7,149	)	$      980

FINANCIAL INFORMATION (Cont.)
(Unaudited)
NET LOSS RELATED TO TEXAS DE NOVO BRANCHES
	Year ended
	December 31, 2004
Net interest income after assumed provision and funding costs	$   8,103
Noninterest income	2,404
Noninterest expense	21,502
Loss before income taxes	(10,995	)
Income tax benefit	(3,848	)
Net loss related to Texas de novo branches	($ 7,147	)
Net loss related to Texas de novo branches per common share	($ 0.05	)
Net loss related to Texas de novo branches per common share - assuming dilution	($ 0.05	)