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0000950144-03-002843.txt : 200303100000950144-03-002843.hdr.sgml : 2003031020030310150409ACCESSION NUMBER:0000950144-03-002843CONFORMED SUBMISSION TYPE:ARSPUBLIC DOCUMENT COUNT:38CONFORMED PERIOD OF REPORT:20021231FILED AS OF DATE:20030310EFFECTIVENESS DATE:20030310

FILER:

COMPANY DATA:COMPANY CONFORMED NAME:UNION PLANTERS CORPCENTRAL INDEX KEY:0000100893STANDARD INDUSTRIAL CLASSIFICATION:NATIONAL COMMERCIAL BANKS [6021]IRS NUMBER:620859007STATE OF INCORPORATION:TNFISCAL YEAR END:1231

FILING VALUES:FORM TYPE:ARSSEC ACT:1934 ActSEC FILE NUMBER:001-10160FILM NUMBER:03597857

BUSINESS ADDRESS:STREET 1:UNION PLANTERS ADMINSTRATIVE CENTERSTREET 2:6200 POPLAR AVECITY:MEMPHISSTATE:TNZIP:38119BUSINESS PHONE:905-580-6000

MAIL ADDRESS:STREET 1:6400 POPLAR AVE.STREET 2:HQ4CITY:MEMPHISSTATE:TNZIP:38119

ARS1g81111ars.htmUNION PLANTERS CORPORATION

UNION PLANTERS CORPORATION

UNION PLANTERSCORPORATION

Principal Banking Subsidiary

Union Planters Bank, National Association, founded 1869

Headquarters

Memphis, Tennessee

Rank

Largest bank holding company headquartered in Tennessee

Among the 30 largest U.S. bank holding companies

Market Capitalization

$5.6billion at December31, 2002

Number of Branches

762

Number of ATMs

965

Principal Banking Markets

AL, AR, FL, IA, IL, IN, KY, LA, MO, MS, TN and TX

Year-End

Assets

$34.1billion

Loans

$22.8billion

Deposits

$23.3billion

Common Equity

$3.2billion

2002 Net Earnings

$529million

CORPORATE PROFILE

Union Planters Corporation, Memphis, Tennessee, is the largest bank holdingcompany headquartered in Tennessee and is among the 30 largest bank holdingcompanies based in the United States, with $34.1billion in total assets atDecember31, 2002. Union Planters Bank, National Association, the principalbanking subsidiary, was founded in 1869 and operates branches in 12 states:Alabama, Arkansas, Florida, Illinois, Indiana, Iowa, Kentucky, Louisiana,Mississippi, Missouri, Tennessee and Texas. Union Planters Bank offers a fullrange of commercial and consumer financial solutions through a network of 762banking offices, 965 ATMs and the resources of specialized business units andsubsidiaries. Trust services include investment management, personal trustservices, employee benefit administration and proprietary mutual funds.Investment and insurance services include annuities, brokerage, life insurance,home and auto insurance, commercial property and casualty insurance, crop andhail insurance, environmental insurance and title insurance. Union PlantersMortgage provides a full range of mortgage products through Union Plantersbanking centers and a network of mortgage production offices. Capital Factors,Inc., based in Boca Raton, Florida, provides receivable-based commercialfinancing and related fee-based credit, collection and management informationservices. Capital Factors has regional offices in Atlanta, Georgia; Charlotte,North Carolina; Dallas, Texas; Los Angeles, California; and New York, New York.Strategic Outsourcing, Inc., based in Charlotte, North Carolina, providesprofessional employment services such as payroll administration, tax reporting,compliance, workers compensation, insurance and benefits management. UnionPlanters Corporation common stock is traded on the New York Stock Exchangeunder the symbol UPC and is included in the S&P 500 Index and the S&P 500 BanksIndex. Union Planters is ranked in both the Fortune500and the Forbes500.

INVESTOR INFORMATION

Annual Meeting

Thursday, April17, 2003, at 1 p.m. CDT
Main Floor
Union Planters Bank, National Association
6200 Poplar Avenue
Memphis, TN 38119

Corporate Headquarters

6200 Poplar Avenue
Memphis, TN 38119

Corporate Mailing Address

PO Box 387
Memphis, TN 38147

Financial Information

Charles R. Boyce
Senior Vice President
(901)580-5974
www.unionplanters.com/investor/
e-mail: suggest@upbna.com

Transfer Agent and Registrar

American Stock Transfer & Trust Company
59 Maiden Lane, Plaza Level
New York, NY 10038
Toll-free (800)937-5449

Dividend Reinvestment and Stock Purchase Plan

The Plan allows Union Planters shareholders to reinvest their dividends inUnion Planters Common Stock. No brokerage commissions or service chargesare paid by shareholders. The Plan also permits participants in the Plan tobuy additional shares with optional cash payments and no brokeragecommissions. Details are available by calling toll-free (877)681-8086 orwriting American Stock Transfer & Trust Company at the addressshown.

Common Stock

NYSE Symbol: UPC
Wall Street Journal: UnPlantr

SeriesE Convertible Preferred Stock

NASDAQ Symbol: UPCPO
Wall Street Journal: UnPlantr pfE

Options

Philadelphia Stock Exchange
Pacific Stock Exchange

Indexes

S&P 500
S&P 500 Banks
NYSE Composite

Independent Accountants

PricewaterhouseCoopers LLP
Memphis, Tennessee

Dividend Paying Agent

American Stock Transfer & Trust Company
59 Maiden Lane, Plaza Level
New York, NY 10038
Toll-free (877)681-8066

Form10-K and 2003 Proxy

Copies of Union Planters Annual Report on Form10-K and 2003 Proxy asfiled with the Securities and Exchange Commission are available onrequest by calling Investor Relations at (901)580-5974 or atwww.unionplanters.com/investor/.

Anticipated Record and Dividend Payable Dates*

First Quarter May1, 2003

May15, 2003

Second Quarter August1, 2003

August15, 2003

Third Quarter November3, 2003

November17, 2003

Fourth Quarter February2, 2004

February16, 2004

* Subject to action by Board of Directors

FINANCIAL HIGHLIGHTS

Years Ended December 31,

Percent

2002 2001 Change

(Dollars inthousands, except per share data)

Earnings

Net earnings $ 528,987 $ 443,550 19.3

Per common share

Net earnings per diluted share $ 2.59 $ 2.13 21.6

Cash dividends declared 1.33 1.33

Book value (1) 16.21 15.56 4.2

Key ratios

Return on average assets 1.62 % 1.30 %

Return on average common equity 16.55 14.34

Net interest margin 4.43 4.20

Net interest spread 3.96 3.53

Balance sheet and other data (1)

Assets $ 34,144,363 $ 33,197,604 2.9

Earning assets 31,146,824 30,137,038 3.4

Loans, net of unearned income 22,774,732 23,163,039 (1.7 )

Allowance for losses on loans 350,931 341,930 2.6

Deposits 23,330,440 23,430,502 (0.4 )

Shareholders equity 3,226,282 3,223,741 0.1

Common shares outstanding (in thousands) 198,434 206,113 (3.7 )

Market capitalization 5,583,944 6,201,263 (10.0 )

Number of banking locations 762 764 (0.3 )

Number of full-time equivalent employees 10,836 11,797 (8.2 )

Capital ratios (1)

Shareholders equity to total assets 9.45 % 9.71 %

Leverage ratio 7.47 7.56

Tier 1 capital to risk-weighted assets 9.40 9.75

Total capital to risk-weighted assets 13.89 14.47

Credit quality ratios

Allowance for losses on loans/loans (1) 1.56 % 1.48 %

Nonperforming loans/loans (1) 1.17 1.02

Allowance for losses on loans/nonperforming loans (1) 133 145

Nonperforming assets/loans and foreclosed properties (1) 1.51 1.31

Provision for losses on loans/average loans 0.86 0.55

Net charge-offs/average loans 0.82 0.53

Common stock UPC (NYSE)

High $ 33.63 $ 31.29

Low 23.65 23.13

Close (1) 28.14 30.09

(1) At year-end.

All share and per share amounts throughout this document have been adjusted toreflect the three-for-two stock split completed in the second quarter of 2002.

4

We have a relationship-based approach because we recognize that people make adifference in retaining and deepening customer relationships. Our associateshave transformed Union Planters into a vibrant, customer-focused financialservices company with significant performance momentum.

Jackson W. Moore, Chairman, President and Chief Executive Officer

5

This summary annual report reviews important aspects of our record financialperformance for the year. As we said in last years summary annual report,Union Planters has deliberately focused on making the main thing the mainthing... and that is to deliver consistent, quality earnings growth to ourshareholders. We have made remarkable progress toward that goal.

Jackson W. Moore

6

TO OUR SHAREHOLDERS

On behalf of our directors and associates, it iswith great pleasure that Ireport the highest earnings in the history of Union Planters Corporation. Netearnings last year were $529.0million, or $2.59 per diluted share. Thisrepresents an increase of nearly 22percent in earnings per diluted sharecompared to 2001. The culmination of two years of planning and implementationproduced extraordinary results. We completed our ninth consecutive quarter ofrecord earnings and achieved our key strategic goals for last year. Thisperformance momentum places us in an excellent position to take advantage ofopportunities this year. Additional highlights from last year include:

Achieving a return on average common equity of 16.55percent and areturn on average tangible equity of 23.22percent.

Producing a return on average assets of 1.62percent.

Reaching our efficiency ratio goal.

Implementing standard business models for relationship and salesmanagement.

Increasing the breadth of our products and the effectiveness ofdelivery channels.

Completing installation of critical systems that improve customerservice and efficiency.

7

We could not have reached our performance goals last year without thededication of our 11,000 associates and the guidance of our directors. Weraised the bar throughout the Company in our commitment to continuousimprovement. Key to our success was completion of ourUPExcelTM project, afocused, company-wide effort to improve efficiency, enhance customer serviceand accelerate revenue growth. Union Planters implemented hundreds ofrecommendations from associates. The benefits were visible by the fourthquarter of 2001 and had a significant impact on results last year. Theseimprovements fundamentally changed the way we do business. The process has nowbeen ingrained into our culture, and we will see the positive results for yearsto come.

We achieved these outstanding financial results last year under challengingeconomic conditions and amid turbulence in the world financial markets.Interest rates decreased sharply throughout the year to the lowest levels indecades due to a soft economy. The stock market was also very volatile during2002 due to the weak economy and high profile accounting scandals. Thisvolatility is evidenced by the S&P 500 Index reaching post-September11 lows.Bank stocks fared much better than the broad market. While the S&P 500 Indexshowed a total return of negative 22percent, bank stocks were relativelystable. Union Planters common stock performed consistent with the S&P 500 BanksIndex during 2002.

When evaluated over the last two years the span during which our strategicrepositioning initiatives were developed and implemented the Companyscommon stock yielded an annualized total return of 13.7percent andsignificantly outperformed the annualized return of both the S&P 500 BanksIndex and the S&P 500 Index, which had negative total returns of 0.5percentand 17.1percent, respectively. Our common stock dividend yield of 4.7percentat December31, 2002 was one of the highest among large commercial banks in theUnited States and reflected a payout of 51percent of our annual net earnings.

The prolonged soft economy created weak commercial loan demand and adverselyimpacted borrowers last year. Credit quality deteriorated, resulting in highernet charge-offs and the related provision for losses on loans last yearcompared to 2001. We are comfortable with year-end reserve levels and believewe have provided for all inherent loan losses. We recognize that we still havea lot of work to do to reduce nonperforming assets to a level we are proud of;however, we are beginning to show progress. Nonperforming assets, which roseduring the first three quarters, declined 10percent in the fourth quarter oflast year. This was the first quarterly decline since the economy started tosoften in mid-year 2000. We expect nonperforming assets to continue showingimprovement as the economy recovers.

8

Net interest income and the related net interest margin increased last yearcompared to the prior year on a smaller but more efficient balance sheet. Thehigher margin resulted from a better mix of earning assets, better loan anddeposit pricing and lower levels of interest bearing deposits and borrowings.Commercial loan demand was weak last year consistent with lower levels ofeconomic activity, while consumer loan activity was strong. Home equity linesof credit increased 64percent during the year compared to the prior year-end,and we also originated nearly $12billion in secondary market mortgage loansduring the year. This resulted in higher loans held for resale and adouble-digit increase in mortgage banking revenue but also added higher costs.Borrower refinancing of residential real estate loans, loan sales anddeliberate reductions in low return portfolios contributed to a slight decreasein net loans for the year. Core deposits grew last year, driven by an increasein average checking deposits in excess of 8percent. This growth largely offsetthe impact of reductions in higher rate deposits and resulted in an improveddeposit mix.

Noninterest income is an important component of our revenue growth strategy andcontributed significantly to record earnings last year. In addition to adouble-digit increase in mortgage banking revenue, other sources of noninterestincome had solid growth last year. Some of the large components were bankcardfees, service charges on deposit accounts and net revenues from StrategicOutsourcing, Inc., our professional employment organization subsidiary.

One of the largest drivers of our higher earnings last year was a reduction innon-interest expense in excess of 10percent. This reduction was a result ofexpense control initiatives and reduced goodwill amortization expense due tochanges in accounting principles. We consolidated several operational functionsto enhance customer service, increase efficiency and improve controls. We alsoreduced the cost of communications, facilities and other support services. Theimpact of streamlining our branch delivery system and creating more efficientsupport functions over the past two years is visible in approximately a 30percent increase in revenue per branch and a 37percent increase in coredeposits per branch.

We continued to maintain strong capital levels last year consistent with atargeted leverage capital ratio of 7.5percent. Through December31, 2002, wehad repurchased nine million shares of common stock under our stock repurchaseplan. Total shareholders equity at December31, 2002 was $3.2billion.

Union Planters further enhanced overall corporate governance last year. TheBoard of Directors established the Compensation/Nominations/CorporateGovernance Committee to formalize oversight of all corporate governanceactivities. This committee is comprised solely of independent directors. Wewere recently ranked third among

9

large U.S. banks in overall corporate governance ina study published in BankDirector magazine. We also added an enterprise risk manager to our executivemanagement team and engaged a separate public accounting firm to support ourinternal audit function. We have a strong board and a highly experienced andcompetent team of executive officers. They are supported by a professional teamof well-trained associates, strong systems and effective controls.

Union Planters has a deep commitment to supporting local communities. We focusour resources in six core areas: education, the arts, civic support, health,human services and community activities. More than 1,000 groups andorganizations in our markets receive support through the Union PlantersCommunity Foundation. Last year, we helped families to purchase their own homesthrough the Habitat for Humanity organization; funded a new arts center fordowntown redevelopment in Paducah, Kentucky; and supported cancer research at aBaton Rouge, Louisiana foundation. Our largest recipients are the United Wayorganizations in the markets we serve, since they have the best localassessment of the needs in each community.

Our associates do an outstanding job of supporting Union Planters commitmentto community involvement. In Jackson, Tennessee, we have a loan officer whoworks tirelessly with the Boys & Girls Club and was honored last year by beingnamed an Outstanding Board Member for the Club. In Columbia, Missouri, there isan assistant branch manager who organized a food drive for the Alpha Phi Alphafraternity to benefit needy families in Columbia. The food drive provided threemeals a day for 15 families for an entire week.

Union Planters future is bright. We have completed our strategic repositioninginitiatives, including our 18-month UPExcelTM project, and have an efficientbusiness model that serves as a platform for future growth. We have thecapacity to grow revenue in strong markets with an effective distributionnetwork of nearly 800 branches in 12 states. We are focused on local marketexecution of our revenue growth strategies and also on improving overall assetquality. On behalf of everyone in the Union Planters family, I thank you foryour continued support. We remain focused on consistent quality earnings growthfor the benefit of you, our shareholders, as we take our company from good togreat.

Jackson W. Moore

Chairman, President and Chief Executive Officer

10

TECHNOLOGY IS THE PLATFORM FOR OUR EFFICIENT BUSINESS MODEL

We made significant investments in technology in 2002 to ensure customersatisfaction and create a climate for the success of our associates.

Customers receive high quality service and information about new products andservices through new systems installed in our UPDirect call center. This newtechnology allows call agents quicker access to customer information and theability to cross-sell appropriate products when making sales calls. Real-timecustomer satisfaction surveys and a new monitoring process ensure the qualityof customer service.

New consumer and business loan origination systems allow customers to receiveloan approvals more quickly. Sales associates can now spend more time onmanaging customer relationships. These systems also ensure consistency incredit scoring, underwriting and product pricing, which allows the creditcenter to operate more efficiently.

The new automated dialing system in our collections area prioritizes and dialscollection calls, allowing our associates to make more calls and collect moreloan payments in less time than before. These efficiencies help control bothcredit and operating costs.

We also implemented financial management software that streamlines procurement,accounts payable and fixed asset activities. The related accounting entries areprocessed electronically, which conserves natural resources, reduces operatingexpenses and improves financial controls.

Investing in people and technology helps create the greatest value for ourcustomers and our shareholders. This blend of talent and technology is theessence of our winning team.

11

Investing in people and technology helps create the greatest value for ourcustomers and our shareholders. This blend of talent and technology is theessence of our winning team.

Bobby L. Doxey

12

ASSOCIATES ARE THE POWER BEHIND OUR EFFICIENT BUSINESS MODEL

Our associates generated and implemented hundreds of recommendations to improveproductivity and processes by realigning distribution channels, improvingcustomer service and streamlining functions for greater efficiency. Theyembraced new sales tools, sales training and delivery approaches to acceleraterevenue growth. These initiatives enabled Union Planters to undergo atremendous amount of productive change in only 18months. We responded to thechanging needs of our customers and the changing conditions in our industry andthe economy. People and companies must reinvent themselves or face the greatrisk of becoming obsolete.

These are some of the tools and training we provided to our associates in 2002to help them respond to the changing needs of our customers:

The Senior Leadership Development Program is a four-day course duringwhich senior leaders learn to understand themselves and to improvetheir effectiveness as leaders and team members. They learn tomotivate and to reward associates for performance excellence using theappropriate leadership style in various situations.

Union Planters University consists of colleges specialized indeveloping our associates for excellence in sales, customer serviceand support functions. Programs are tailored for the customer segmentserved, and the course work is part of our unified sales and servicemodel.

UP3 is a Web-based learning management system that helps associatesmanage their training needs and career development plans. We believethat the development of our associates ensures the success of ourwinning team.

13

Local market execution is facilitated by the coordination and integration ofsales efforts across retail, mortgage, commercial and wealth management productlines.

14

LOCAL MARKET EXECUTION WILL DRIVE REVENUE GROWTH

Union Planters has a network of 762 branches and 965 automated teller machinesin markets with significant growth opportunity spanning 12 states. We offer afull range of consumer and commercial financial solutions. Success in growingrevenue depends on effective sales execution at the local market level. Ourlocal market execution is facilitated by the coordination and integration ofsales efforts across retail, mortgage, commercial and wealth management productlines. Our regional presidents own their markets and are responsible for salesand service in all customer segments. We follow standard business models ineach market and give regional presidents the necessary product management andtargeted marketing support.

We have given our leaders and their salespeople the tools and the training theyneed to be successful. Sales associates, sales managers and regional salesexecutives attend comprehensive training programs. We have a relationship-basedapproach because associates are the link in retaining and deepening customerrelationships. We have instilled accountability into our culture by linkingcompensation to sales results, ranking performance of salespeople and salesmanagers, and reinforcing effective disciplines through daily and weeklymeetings.

15

RETAIL BANKING PRODUCTS

Our retail banking associates offer customers more choices in how they bank byproviding individual financial solutions.

John V. White, Jr.

Union Planters is focused on becoming the premier retailer of financialservices in the markets we serve. Our retail banking associates offer customersmore choices in how they bank by providing individual financial solutions.Establishing the vision is straightforward. Making it happen in a way that isvisible to customers is the challenge.

We continued to improve our banking basics. We established a uniform productline in all of our markets and introduced several new deposit, insurance andinvestment products in 2002. Union Planters offers simplicity and convenienceto customers by giving them access to all financial services and a variety ofways to conduct business.

Customers can access their accounts at any time, day or night, through ourautomated customer service capability, Internet banking and 965 automatedteller machines. Our UPDirect customer contact center provides toll-freeaccess to accounts and additional products and services. Our call center agentshandle many routine requests that previously were directed to sales associateswho now have more time for selling and servicing.

16

COMMERCIAL BANKING PRODUCTS

Our regional presidents and their senior sales managers are responsible forcommercial banking activities in each of the communities we serve. They aresupported by a team of corporate relationship managers, business bankers andbranch sales managers. These associates work directly with business owners andcorporate customers, offering a wide range of products and expertise. Whetherour customer needs capital to support funding and expansion, cash management toimprove treasury operations, or insurance and professional employmentorganization services to reduce enterprise risk, Union Planters has thesolution.

Union Planters is consistently ranked among the top 10 small business-friendlylenders in the country. Small business owners know they can rely on us toprovide the products they need to manage their businesses. We also focus onopportunities with middle market companies that have annual sales between $10million and $100million. We have found that companies in this group typicallyare looking for financial relationships with partners who can provide counseland strategic alternatives. For example, Union Planters gives foreign marketaccess to domestic companies by financing product imports and exports. Throughour Capital Factors, Inc. subsidiary, we provide funding and one of the oldestforms of outsourcing, accounts receivable management, to high-growth companies.

Our refined structure, combined with standard models for sales management andcredit, has streamlined relationship management and enhanced our ability tomeet the needs of business customers. Our relationship managers get to knowtheir customer and the business to provide targeted solutions for todaysobjectives as well as for future growth. We are well poised to respond tocommercial banking opportunities throughout our markets.

17

Union Planters combines the strength of traditional mortgage banking andnonconforming portfolio lending through multiple channels.

18

MORTGAGE BANKING PRODUCTS

Union Planters originated a record $12billion in mortgage loans in the lowinterest rate environment that prevailed throughout 2002. Our capabilitiescombine the strength of traditional mortgage banking and nonconformingportfolio lending in the origination of loans through multiple channels thatinclude wholesale, correspondent and retail production offices in 20 states. Weare dedicated to providing current and prospective homeowners a wide variety ofmortgage financing options with superior customer service.

Union Planters also offers affordable housing loans and is active ininitiatives with government and community organizations. An example is ourpartnership with 50 not-for-profit organizations in the Affordable HousingProgram of the Federal Home Loan Bank of Cincinnati. Since 1990, Union Plantershas supported approximately 100 affordable housing and community revitalizationdevelopments in five states. In July 2002, Union Planters entered into amulticultural partnership agreement with Fannie Mae to generate $2billion inmortgage loans for low-to-moderate income and minority borrowers. UnionPlanters has already exceeded 50percent of this two-year goal.

In March 2002, we completed the consolidation of our mortgage servicingoperations, which resulted in improved customer service and increasedefficiency. Union Planters was the 29th largest mortgage servicer in the UnitedStates at the end of the third quarter.

19

Union Planters has unified regional distribution capability for all investment,insurance and trust services.

20

FINANCIAL SERVICES: INVESTMENT SERVICES, INSURANCE AND TRUST PRODUCTS

Union Planters continued to expand investment services, insurance and trustofferings in 2002. We have unified regional distribution capability for allinvestment, insurance and trust services. Union Planters provides both personaland business clients complete consultation and service at each stage of theclients financial life cycle.

We introduced additional investment services products during 2002 to preparefor a resumption of growth in brokerage activity as market conditions improve.Union Planters continues to be a leader in annuity sales. Insurance salesexpanded both geographically and through new product lines. We increasedpenetration of life insurance through our retail banking offices and enteredfive additional states to broaden our markets for title insurance sales.

Union Planters completed a company-wide standardization of trust operatingfunctions and reorganized institutional trust services to focus on threeprimary product areas: retirement services, capital markets and custody.

21

SELECTED FINANCIAL DATA

Years Ended December 31,

2002 2001 2000 1999 1998

(Dollars in thousands, except per share data)

Income statement data

Net interest income $ 1,289,445 $ 1,275,973 $ 1,231,116 $ 1,256,531 $ 1,207,233

Provision for losses on loans (197,901 ) (131,963 ) (77,062 ) (74,045 ) (204,056 )

Investment securities gains (losses) 23,027 9,582 381 2,128 (9,074 )

Other noninterest income 763,427 760,089 559,021 510,582 577,833

Noninterest expense (1,111,087 ) (1,238,262 ) (1,102,840 ) (1,076,364 ) (1,200,014 )

Earnings before income taxes 766,911 675,419 610,616 618,832 371,922

Income taxes (237,924 ) (231,869 ) (201,306 ) (208,834 ) (146,316 )

Net earnings $ 528,987 $ 443,550 $ 409,310 $ 409,998 $ 225,606

Per common share data

Net earnings

Basic $ 2.61 $ 2.15 $ 2.01 $ 1.92 $ 1.07

Diluted 2.59 2.13 2.00 1.90 1.05

Cash dividends 1.33 1.33 1.33 1.33 1.33

Book value 16.21 15.56 14.35 13.27 13.91

Balance sheet data (at year-end)

Total assets $ 34,144,363 $ 33,197,604 $ 34,720,718 $ 33,280,353 $ 31,691,953

Loans, net of unearned income 22,774,732 23,163,039 23,957,494 21,446,400 19,576,826

Allowance for losses on loans 350,931 341,930 335,452 342,300 321,476

Investment securities 5,467,283 4,780,629 6,843,670 7,472,455 8,301,703

Total deposits 23,330,440 23,430,502 23,113,383 23,372,116 24,896,455

Short-term borrowings 3,637,610 3,076,679 6,086,896 5,422,504 1,648,039

Long-term debt

Parent Company 890,017 878,626 379,303 379,656 378,249

Subsidiary banks 1,897,756 1,858,073 1,559,668 738,114 1,060,483

Total shareholders equity 3,226,282 3,223,741 2,920,054 2,776,109 2,984,078

Balance sheet data (for the year ended)

Average assets 32,617,526 34,209,871 33,882,405 32,902,370 30,744,326

Average shareholders equity 3,203,027 3,100,945 2,807,672 2,980,664 2,931,703

Average shares outstanding (in thousands)

Basic 201,927 205,443 202,756 212,781 208,551

Diluted 204,609 208,043 204,983 215,975 214,040

Profitability and capital ratios

Return on average assets 1.62 % 1.30 % 1.21 % 1.25 % .73 %

Return on average common equity 16.55 14.34 14.63 13.80 7.71

Net interest margin 4.43 4.20 4.11 4.36 4.40

Net interest spread 3.96 3.53 3.41 3.69 3.60

Loans/deposits (year-end) 97.62 98.86 103.65 91.76 78.63

Common and preferred dividend payout ratio 51.05 61.92 66.62 69.93 113.67

Shareholders equity/total assets (year-end) 9.45 9.71 8.41 8.34 9.42

Average shareholders equity/average total assets 9.82 9.06 8.29 9.06 9.54

Leverage ratio 7.47 7.56 6.53 6.65 8.86

Tier 1 capital/risk-weighted assets 9.40 9.75 8.63 9.50 13.34

Total capital/risk-weighted assets 13.89 14.47 11.47 12.69 16.78

Credit quality ratios (1)

Allowance for losses on loans/year-end loans 1.56 % 1.48 % 1.42 % 1.64 % 1.71 %

Nonperforming loans/total loans 1.17 1.02 .57 .62 .83

Allowance for losses on loans/nonperforming loans 133 145 249 264 206

Nonperforming assets/loans and foreclosed properties 1.51 1.31 .75 .80 .97

Provision for losses on loans/average loans .86 .55 .34 .36 1.04

Net charge-offs/average loans .82 .53 .36 .47 .95

For additional information, please refer to Union Planters Corporations 2002audited financial statements included in the 2003 Proxy Statement.

(1) Exclusive of FHA/VA loans, which represent minimal credit risk toUnion Planters, and loans held for resale.

22

CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING INFORMATION

The discussion in this summary annual report contains certain forward-lookingstatements as defined in the Private Securities Litigation Reform Act of 1995.These statements may address issues that involve significant risks anduncertainties. Although management believes that the expectations reflected inthis discussion are reasonable, actual results may be materially different.Please refer to AppendixF in the Union Planters 2003 Proxy for a more thoroughdescription of the types of risks and uncertainties that may affectmanagements forward-looking statements.

REPORT OF INDEPENDENT ACCOUNTANTS

To the Board of Directors and Shareholders of Union Planters Corporation:

We have audited, in accordance with auditing standards generally accepted inthe United States of America, the consolidated balance sheet of Union PlantersCorporation and its subsidiaries as of December31, 2002 and 2001, and therelated consolidated statements of earnings, of changes in shareholders equityand of cash flows for each of the three years in the period ended December31,2002 (not presented herein); and in our report dated January16, 2003, weexpressed an unqualified opinion on those consolidated financial statements. Inour opinion, the information set forth in the accompanying condensedconsolidated financial statements, when read in conjunction with theconsolidated financial statements from which it has been derived, is fairlystated, in all material respects, in relation thereto.

As discussed in the notes to the consolidated financial statements, effectiveJanuary1, 2002, Union Planters adopted new accounting standards for goodwilland other intangibles.

PricewaterhouseCoopers LLP
Memphis, Tennessee
January16, 2003

23

CONSOLIDATED BALANCE SHEET

December 31,

2002 2001

(Dollars in thousands, except per share data)

Assets

Cash and due from banks $ 1,008,078 $ 953,846

Interest-bearing deposits at financial institutions 116,208 54,351

Federal funds sold and securities purchasedunder agreements to resell 122,069 13,067

Trading account assets 266,322 263,315

Loans held for resale 2,400,210 1,862,637

Available for sale securities 5,467,283 4,780,629

Loans

Commercial, financial and agricultural 5,216,820 5,145,917

Foreign 217,570 397,737

Accountsreceivable factoring 666,731 640,312

Real estate construction 2,261,893 2,190,854

Real estate mortgage

Secured by 1-4 family residential 4,240,731 5,166,097

FHA/VA government-insured/guaranteed 231,895 133,751

Nonfarm, nonresidential properties 5,027,161 4,821,293

Multi-family (5 or more) residential 843,631 846,259

Secured by farmland 489,584 462,676

Home equity 1,538,088 935,841

Consumer 1,989,835 2,338,560

Direct lease financing 73,768 104,705

Total loans 22,797,707 23,184,002

Less: Unearned income (22,975 ) (20,963 )

Allowance for losses on loans (350,931 ) (341,930 )

Net loans 22,423,801 22,821,109

Premises and equipment, net 540,183 556,686

Accrued interest receivable 207,869 245,847

Mortgage servicing rights, net 264,295 150,303

Goodwill, net 803,185 780,612

Other intangibles, net 128,756 146,695

Other assets 396,104 568,507

Total assets $ 34,144,363 $ 33,197,604

Liabilities and shareholders equity

Deposits

Noninterest-bearing $ 5,035,464 $ 4,509,944

Certificates of deposit of $100,000 and over 1,578,996 1,602,117

Other interest-bearing 16,715,980 17,318,441

Total deposits 23,330,440 23,430,502

Short-term borrowings 3,637,610 3,076,679

Short- and medium-term senior notes 600,045

Federal Home Loan Bank advances 960,029 1,461,190

Other long-term debt 1,227,699 1,275,509

Accrued interest, expenses and taxes 260,275 282,211

Other liabilities 901,983 447,772

Total liabilities 30,918,081 29,973,863

Commitments and contingent liabilities

Shareholders equity

Convertible preferred stock 10,194 16,101

Common stock, $5 par value; 300,000,000shares authorized; 198,434,384 issuedand outstanding (206,113,331 atDecember31, 2001) 992,172 1,030,567

Additional paid-in capital 537,417 535,378

Retained earnings 1,639,465 1,600,153

Unearned compensation (20,118 ) (13,022 )

Accumulated other comprehensive income 67,152 54,564

Total shareholders equity 3,226,282 3,223,741

Total liabilities and shareholders equity $ 34,144,363 $ 33,197,604

For additional information, please refer to Union Planters Corporations 2002audited financial statements included in the 2003 Proxy Statement.

24

CONSOLIDATED STATEMENT OF EARNINGS

Years Ended December 31,

2002 2001 2000

(Dollars in thousands, except per share data)

Interest income

Interest and fees on loans $ 1,527,577 $ 1,937,215 $ 2,025,117

Interest on investment securities

Taxable 230,355 281,741 387,505

Tax-exempt 42,167 59,307 64,897

Interest on deposits at financial institutions 2,421 2,047 2,170

Interest on federal funds sold andsecurities purchased under agreements to resell 1,437 2,213 5,072

Interest on trading account assets 9,562 15,836 16,806

Interest on loans held for resale 89,609 75,733 26,087

Total interest income 1,903,128 2,374,092 2,527,654

Interest expense

Interest on deposits 428,656 757,354 835,109

Interest on short-term borrowings 36,252 176,649 366,753

Interest on long-term debt 148,775 164,116 94,676

Total interest expense 613,683 1,098,119 1,296,538

Net interest income 1,289,445 1,275,973 1,231,116

Provision for losses on loans 197,901 131,963 77,062

Net interest income after provisionfor losses on loans 1,091,544 1,144,010 1,154,054

Noninterest income

Service charges on deposit accounts 232,229 218,341 182,035

Mortgage banking revenue 243,391 183,909 117,925

Merchant services income 11,996 65,518 37,047

Factoring commissions and fees 41,533 38,061 38,275

Professional employment organization, net revenues 28,305 21,916 13,755

Bankcard transaction fees 38,826 30,774 28,616

Trust service income 28,082 27,961 26,395

Investment and insurance services 54,877 50,891 47,744

Investment securities gains 23,027 9,582 381

Other income 84,188 122,718 67,229

Total noninterest income 786,454 769,671 559,402

Noninterest expense

Salaries and employee benefits 536,799 537,060 508,439

Net occupancy expense 102,005 104,414 93,054

Equipment expense 84,192 89,371 84,668

Goodwill amortization 5,464 48,440 46,290

Other intangibles amortization 16,391 17,156 17,811

Other expense 366,236 441,821 352,578

Total noninterest expense 1,111,087 1,238,262 1,102,840

Earnings before income taxes 766,911 675,419 610,616

Income taxes 237,924 231,869 201,306

Net earnings $ 528,987 $ 443,550 $ 409,310

Net earnings applicable to common shares $ 528,011 $ 442,162 $ 407,703

Earnings per common share

Basic $ 2.61 $ 2.15 $ 2.01

Diluted 2.59 2.13 2.00

Dividends per common share 1.33 1.33 1.33

Average common shares outstanding (in thousands)

Basic 201,927 205,543 202,756

Diluted 204,609 208,043 204,983

For additional information, please refer to Union Planters Corporations 2002audited financial statements included in the 2003 Proxy Statement.

25

EXECUTIVE MANAGEMENT COMMITTEE

Jackson W. Moore Lou Ann Poynter

Chairman, President Senior Executive Vice President

and Chief Executive Officer Mortgage Banking

Bobby L. Doxey Michael B. Russell

Senior Executive Vice President Senior Executive Vice President

and Chief Financial Officer Manager of Credit Policy

Adolfo Henriques Steven J. Schenck

Southern Banking Group Chief Executive Midwest Banking Group Chief Executive

and Head of Commercial Banking and Head of Credit Improvement

Alan W. Kennebeck John V. White, Jr.

Senior Executive Vice President Central Banking Group Chief Executive

Director of Financial Services and Head of Retail Banking and Financial Services

26

BOARD OF DIRECTORS

Albert M. Austin Lou Ann Poynter

Chairman Senior Executive Vice President

Cannon, Austin & Cannon, Inc. Union Planters Corporation and

Union Planters Bank, National Association

Samuel W. Bartholomew, Jr.

Chairman and Chief Executive Officer John R. Roberts

Stokes Bartholomew Evans & Petree, P.A. Managing Parner (retired)

Mid-South Region

George W. Bryan Arthur Andersen LLP

Chief Executive Officer

Old Waverly Investments, LLC Michael S. Starnes

President

James E. Harwood M.S. Carriers, Inc., a subsidiary of

President Swift Transportation Corporation

Sterling Equities, Inc.

Richard A. Trippeer, Jr.

Parnell S. Lewis, Jr. President (retired)

Chief Executive Officer (retired) R.A. Trippeer, Inc.

River Investments, LLC

Robert R. Waller, M.D.

Jackson W. Moore President Emeritus (retired)

Chairman, President Mayo Clinic

and Chief Executive Officer

Union Planters Corporation and Spence L. Wilson

Union Planters Bank, National Association President

Kemmons Wilson, Inc.

Jorge M. Perez

President

The Related Group of Florida

Please refer to Union Planters 2003 Proxy for a more thorough description.
2003 Union Planters Corporation

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