Management's discussion and analysis of accounting changes and error corrections. It includes the conveyance of information necessary for a user of the Company's financial information to understand all aspects and required disclosure information concerning all changes and error corrections that may be reported in the Company's financial statements for the period. Management's discussion and analysis of acquisition and repurchases of own stock. Management's discussion and analysis of additional factors that may affect future results. Management's discussion and analysis of allowances for loan losses. Management's discussion and analysis of alternative measures of performance. Management's discussion and analysis of the consolidated statement of income. Management's discussion and analysis of anticipated cash flows. Management discussion and analysis of asset quality. Management's discussion and analysis of business combinations. Management discussion and analysis of changes in accounting estimates. Management's discussion and analysis of changes in, and disagreements with, independent accountants. Management's discussion and analysis of changes to pension plans. Management discussion and analysis of contingencies. Management discussion and analysis of costs and expenses. Management discussion and analysis of deposits and other sources of funds. Management discussion and analysis of use of derivatives. Description of the business of the entity. Management's discussion and analysis of discontinued operations. Management's discussion and analysis of dividends declared and paid. Management's discussion and analysis of equity instruments received from partners. Management's discussion and analysis of exposure to asbestos treatment costs. Management's discussion and analysis of federal financial assistance. Management's discussion and analysis of fees paid to independent auditors. Management discussion and analysis of financial condition. Management discussion and analysis of loans. Management discussion and analysis of foreign operations and foreign currency transactions. Management's discussion and analysis disclaimer of forward looking statements. Management's discussion and analysis of the impact of inflation. Management's discussion and analysis of goodwill and impairment. Management's discussion and analysis of income and losses from investments. Management discussion and analysis of liquidity and capital resources. Management discussion and analysis of cash outlays for income taxes. Management discussion and analysis of high yield or highly leveraged transactions. Management discussion and analysis of employees' stock ownership plans. Management's discussion and analysis of management information systems and processes. This element may be used to tag the entire text for management discussion and analysis information. Management's discussion and analysis of revenue recognition policies. If the entity has different policies for different types of revenue transactions, the policy for each material type of transaction should be disclosed. If a sales transaction has multiple element arrangements (for example, delivery of multiple products, services or the rights to use assets) the disclosure should indicate the accounting policy for each unit of accounting as well as how units of accounting are determined and valued. The disclosure should encompass important judgment as to appropriateness of principles related to recognition of revenue. The disclosure also may indicate how costs of sales are recognized, and the entity's treatment of any unearned or deferred revenue that arises from the transaction. Management discussion and analysis of material changes. Management discussion and analysis of nonperforming assets. Management discussion and analysis of operations. Management discussion and analysis of net interest income. Management discussion and analysis of non-interest expenses. Management discussion and analysis of non-interest income. Management discussion and analysis of income taxes. Management's discussion and analysis of research and product development. Quantitative and qualitative disclosures about market risk discussion intended to clarify registrant's exposures to market risk associated with activities in derivative financial instruments, other financial instruments, and derivative commodity instruments. Quantitative and Qualitative Disclosures about Market Risk - Qualitative Disclosures; pertaining to registrant's exposures to market risk associated with activities in derivative financial instruments, other financial instruments, and derivative commodity instruments. Quantitative and qualitative disclosures about market risk, quantitative disclosures, general; pertaining to registrant's exposures to market risk associated with activities in derivative financial instruments, other financial instruments, and derivative commodity instruments. Quantitative and Qualitative Disclosures about Market Risk - Sensitivity Analysis; pertaining to registrant's exposures to market risk associated with activities in derivative financial instruments, other financial instruments, and derivative commodity instruments. Quantitative and Qualitative Disclosures about Market Risk - Tabular Presentation; pertaining to registrant's exposures to market risk associated with activities in derivative financial instruments, other financial instruments, and derivative commodity instruments. Quantitative and Qualitative Disclosures about Market Risk - Value at Risk; pertaining to registrant's exposures to market risk associated with activities in derivative financial instruments, other financial instruments, and derivative commodity instruments. Management's discussion and analysis of restructuring charges. Management's discussion and analysis of material restructuring charges. Management's discussion and analysis of the nature and amounts of exit costs. Management's discussion and analysis of prior period restructuring charges. Management discussion and analysis of revenue. Management discussion and analysis of foreign operation risks. Management discussion and analysis of business segments. Management discussion and analysis of business segments' markets. Management discussion and analysis of revenue contributed by type of product and service. Selected financial data as presented in management discussion and analysis. Matters affecting comparability as presented in management discussion and analysis' selected financial data. Pro forma information for accounting changes, as presented in management discussion and analysis' selected financial data. When financial statements are issued purporting to present fairly financial position, cash flows, and results of operations in accordance with generally accepted accounting principles, a description of all significant accounting policies of the reporting entity should be included as an integral part of the financial statements. Management's discussion and analysis of euro conversion. Management discussion and analysis of changes in earnings per share. Supplementary information that may be furnished, but is not required, regarding information on the effects of changing prices. The effect of gas imbalances on operations on liquidity and capital resources. Disclosure of the trends and uncertainties related to exploration expenses, and the extent to which they were affected by the deferral of exploratory drilling costs.