美国制商银行M＆T Bank (MTB) 2003年年度报告「NYSE」.pdf

1、M&T BANK CORPORATION2 0 0 3ANNUAL REPORTAmerican,Baltimore.Friends and family of Samuel Williams.Baltimore Album Quilt.1846-1847.Gift of Serena OLaughlen Wagner,Baltimore.The Baltimore Museum of Art.COVER ART:Mid-nineteenth century Baltimore was the center of a significant moment in the history of A

2、merican decorative arts,when albumquilt making rose to a high level of sophistication,using highly complex and unique designs.Due to Baltimores role as a port city,a wide array ofinternational textiles could be incorporated into the quilts made there.The quilt on the cover was created for lay preach

3、er Samuel Williams.Featuring forty-two designs made by his relatives and friends,it has squares that depict Baltimore history,including a railroad car from the B&O Railroad and the Baltimore Battle Monument.The quilt alsofeatures complex floral arrangements and an appliqud border.The quilt is part o

4、f an exhibition,Baltimore Album Quilts:Appliqud Artistry,on display at The Baltimore Museum of Art,November 5,2003 through May 9,2004,featuring more than twenty exceptional album quilts and individual squares created in Baltimore between1845 and 1865.This is the fifth in a series of annual reports t

5、o feature the work of regional artists in the communities supported by M&T Bank.1CONTENTSFinancial Highlights.2Message to Stockholders.5Financial Review.19Responsibility for Financial Reporting.54Report of Independent Auditors.55Financial Statements.56Officers and Directors.86Selected Financial and

6、Other Data.87Subsidiary Bank Officers and Directorsand Condensed Balance Sheets.90Corporate Information.94ANNUAL MEETINGThe annual meeting of stockholders will takeplaceat11:00a.m.onApril 20,2004at One M&T Plaza in Buffalo.PROFILEM&T Bank Corporation is a bank holding company headquartered inBuffalo