UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K [X] ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2002 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period from to ------ ------ Commission file number: 1-14659 ------- WILMINGTON TRUST CORPORATION (Exact name of registrant as specified in its charter) Delaware -------------------------------------------------------------------------------- (State or jurisdiction of incorporation or organization) 51-0328154 -------------------------------------------------------------------------------- (I.R.S. Employer Identification No.) Rodney Square North, 1100 North Market Street Wilmington, DE 19890-0001 -------------------------------------------------------------------------------- (Address of Principal Executive Offices) (302) 651-1000 -------------------------------------------------------------------------------- (Registrant's telephone number, including area code) Thrift Savings Plan (Full title of plan) 1. The Thrift Savings Plan affords staff members the opportunity to acquire from time to time shares of Wilmington Trust Corporation's stock, as well as interests in funds which purchase a variety of investments from time to time and which may change from time to time. These include debt and equity securities. As of December 31, 2002, the names and addresses of those funds are the following: Principal Large Cap Stock Index Separate Account Principal Financial Group 711 High Street Des Moines, IA 50392 Putnam Equity Inc (M) Separate Account Putnam Funds One Post Office Square Boston, MA 02109 Fidelity Advisor Equity Growth Separate Account Fidelity Advisor Small Cap Separate Account Fidelity Advisor Overseas Separate Account Fidelity Advisor Funds 82 Devonshire Street Boston, MA 02109 The Wilmington Large Cap Growth Portfolio The Wilmington Large Cap Value Portfolio The Wilmington Large Cap Core Portfolio The Wilmington Small Cap Core Portfolio The Wilmington International Multi-Manager Portfolio The Wilmington Broad Market Bond Portfolio The Wilmington Prime Money Market Portfolio Rodney Square North 1100 North Market Street Wilmington, DE 19890 2. The financial statements required to be filed for the Thrift Savings Plan, which qualifies under the Employee Retirement Income Security Act of 1974, will be filed as an amendment to this Form 11-K by June 29, 2002, 180 days after the end of the plan's fiscal year. SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the following individuals, who administer the Thrift Savings Plan, have signed this Form 11-K as of March 20, 2003. /s/ David R. Gibson (SEAL) ------------------------------ David R. Gibson, Chairman /s/ E. Matthew Brown (SEAL) ------------------------------ E. Matthew Brown /s/ Robert J. Christian (SEAL) ------------------------------ Robert J. Christian /s/ Howard K. Cohen (SEAL) ------------------------------ Howard K. Cohen /s/ Michael A. DiGregorio (SEAL) ------------------------------ Michael A. DiGregorio /s/ William J. Farrell, II (SEAL) ------------------------------ William J. Farrell, II /s/ I. Gail Howard (SEAL) ------------------------------ I. Gail Howard /s/ Gerald F. Sopp (SEAL) ------------------------------ Gerald F. Sopp The undersigned certify that, to their knowledge, the Form 11-K of Wilmington Trust Corporation's Thrift Savings Plan for 2002 fully complies with the requirements of section 13(a) of the Securities Exchange Act of 1934 and that the information contained in that report fairly presents, in all material respects, the financial condition and results of operation of that plan. /s/ Ted T. Cecala ------------------------------------------ Ted T. Cecala Chairman of the Board and Chief Executive Officer /s/ David R. Gibson ------------------------------------------------ David R. Gibson Executive Vice President and Chief Financial Officer