Top 100 Bank Holding Companies in Tier 1 Capital

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Ranked in order of Tier 1 capital on June 30, 1995, compared with June 30, 1994 (dollar amount in millions)

Set 1 of 4

Tier 1

Capital

Rank

6/95

1 Citicorp, New York

2 BankAmerica Corp., San Francisco

3 Chemical Banking Corp., New York

4 NationsBank Corp., Charlotte, N.C.

5 J.P. Morgan & Co., Inc., New York

6 Chase Manhattan Corp., New York

7 Banc One Corp., Columbus, Ohio

8 Bankers Trust New York Corp.

9 First Chicago Corp.

10 First Union Corp., Charlotte, N.C.

11 Bank of New York Co., Inc.

12 KeyCorp, Cleveland

13 PNC Bank Corp., Pittsburgh

14 Norwest Corp., Minneapolis

15 Fleet Financial Group, Inc., Providence, R.I.

16 Wachovia Corp., Winston-Salem, N.C.

17 Wells Fargo & Co., San Francisco

18 NBD Bancorp, Inc., Detroit

19 Republic New York Corp.

20 Mellon Bank Corp., Pittsburgh

21 Bank of Boston Corp.

22 First Interstate Bancorp, Los Angeles

23 SunTrust Banks, Inc., Atlanta

24 Barnett Banks, Inc., Jacksonville, Fla.

25 Boatmen's Bancshares, Inc., St. Louis, Mo.

26 National City Corp., Cleveland

27 First Bank System, Inc., Minneapolis

28 Comerica, Inc., Detroit

29 First Fidelity Bancorporation, Newark, N.J.

30 Shawmut National Corp., Hartford, Conn.

31 National Westminster Bancorp, Inc., Jersey City, N.J. H

32 CoreStates Financial Corp, Philadelphia

33 U.S. Bancorp, Portland, Ore.

34 Marine Midland Banks, Inc., Buffalo, N.Y H.

35 Southern National Corp., Winston-Salem, N.C.

36 Fifth Third Bancorp, Cincinnati

37 First of America Bank Corp., Kalamazoo, Mich.

38 State Street Boston Corp.

39 Huntington Bancshares, Inc., Columbus, Ohio

40 Firstar Corp., Milwaukee

41 Mercantile Bancorporation Inc., St. Louis, Mo.

42 Northern Trust Corp., Chicago

43 Midlantic Corp., Edison, N.J.

44 Harris Bank, Chicago H (a)

45 UJB Financial Corp., Princeton, N.J.

46 Meridian Bancorp., Inc., Reading, Pa.

47 SouthTrust Corp., Birmingham, Ala.

48 Marshall & Ilsley Corp., Milwaukee, Wis.

49 Crestar Financial Corp., Richmond

50 AmSouth Bancorporation, Birmingham, Ala.

51 First Maryland Bancorp., Baltimore H

52 MBNA Corp., Newark, Del.

53 Integra Financial Corp., Pittsburgh

54 Regions Financial Corp., Birmingham, Ala.

55 BanPonce Corp., Ponce, P.R.

56 Bancorp Hawaii, Inc., Honolulu

57 First Security Corp., Salt Lake City, Utah

58 Old Kent Financial Corp., Grand Rapids, Mich.

59 BanCal Tri-State Corp., San Francisco

60 BayBanks, Inc., Boston

61 Canadian Imperial Holdings, Inc., New York

62 Michigan National Corp., Farmington Hills

63 LaSalle National Corp., Chicago H

64 Union Planters Corp., Memphis, Tenn.

65 First Empire State Corp., Buffalo, N.Y.

66 Commerce Bancshares, Inc., Kansas City, Mo.

67 First Virginia Banks, Inc., Falls Church

68 First Tennessee National Corp., Memphis

69 Signet Banking Corp., Richmond

70 Mercantile Bankshares Corp., Baltimore

71 Central Fidelity Banks Inc., Richmond

72 West One Bancorp, Boise, Idaho

73 Synovus Financial Corp., Columbus, Ga.

74 Compass Bancshares, Inc., Birmingham, Ala.

75 Star Banc Corp., Cincinnati

76 First American Corp., Nashville, Tenn.

77 Hibernia Corp., New Orleans, La.

78 Citizens Financial Group, Inc., Providence, R.I.H

79 Bank South Corp., Atlanta

80 First Hawaiian, Inc., Honolulu

81 First Commerce Corp., New Orleans, La.

82 Fourth Financial Corp., Wichita, Kan.

83 FirstMerit Corp., Akron, Ohio

84 UMB Financial Corp., Kansas City, Mo.

85 Dauphin Deposit Corp., Harrisburg, Pa.

86 Summit Bancorporation, Chatham, N.J.

87 Premier Bancorp, Inc., Baton Rouge, La.

88 Trustmark Corp., Jackson, Miss.

89 Deposit Guaranty Corp., Jackson, Miss.

90 Keystone Financial, Inc., Harrisburg, Pa.

91 First Citizens BancShares, Raleigh, N.C.

92 Wilmington Trust Corp., Del.

93 Magna Group, Inc., St. Louis, Mo.

94 Onbancorp, Inc., Syracuse, N.Y.

95 Provident Bancorp, Inc., Cincinnati

96 Valley National Bancorp, Wayne, N.J.

97 Old National Bancorp, Evansville, Ind.

98 CCB Financial Corp., Durham, N.C.

99 Centura Banks, Inc., Rocky Mount, N.C.

100 City National Corp., Beverly Hills, Calif.

Totals for the Top 100 in Tier 1 Capital

Set 2 of 4

Tier 1

Capital

Rank Tier 1 Capital Rank Change

6/95 6/30/95 6/30/94 6/94 In rank

1 Citicorp, New Y $18,606 $14,967 1

2 BankAmerica Cor 14,280 12,275 2

3 Chemical Bankin 10,501 10,446 3

4 NationsBank Cor 9,804 9,237 4

5 J.P. Morgan & C 8,563 8,182 5

6 Chase Manhattan 8,023 7,852 6

7 Banc One Corp., 7,507 7,047 7

8 Bankers Trust N 4,613 4,488 9 1

9 First Chicago C 4,567 4,148 12 3

10 First Union Cor 4,416 4,664 8 -2

11 Bank of New Yor 4,376 3,801 13 2

12 KeyCorp, Clevel 3,892 4,169 10 -2

13 PNC Bank Corp., 3,862 4,151 11 -2

14 Norwest Corp., 3,648 3,719 14

15 Fleet Financial 3,614 3,540 16 1

16 Wachovia Corp., 3,461 3,132 18 2

17 Wells Fargo & C 3,418 3,711 15 -2

18 NBD Bancorp, In 3,299 3,062 19 1

19 Republic New Yo 3,276 2,990 20 1

20 Mellon Bank Cor 3,210 2,637 24 4

21 Bank of Boston 3,204 2,780 22 1

22 First Interstat 3,119 3,463 17 -5

23 SunTrust Banks, 2,811 2,666 23

24 Barnett Banks, 2,554 2,847 21 -3

25 Boatmen's Bancs 2,531 1,956 31 6

26 National City C 2,445 2,350 26

27 First Bank Syst 2,250 1,855 32 5

28 Comerica, Inc., 2,241 2,171 27 -1

29 First Fidelity 2,162 2,382 25 -4

30 Shawmut Nationa 2,077 1,979 30

31 National Westmi 2,015 1,727 33 2

32 CoreStates Fina 2,014 2,118 28 -4

33 U.S. Bancorp, P 1,729 1,596 34 1

34 Marine Midland 1,600 1,439 35 1

35 Southern Nation 1,495 584 74 39

36 Fifth Third Ban 1,491 1,205 38 2

37 First of Americ 1,481 1,319 37

38 State Street Bo 1,453 1,166 39 1

39 Huntington Banc 1,450 1,330 36 -3

40 Firstar Corp., 1,433 1,142 40

41 Mercantile Banc 1,248 947 52 11

42 Northern Trust 1,238 1,079 44 2

43 Midlantic Corp. 1,231 1,084 43

44 Harris Bank, Ch 1,185 971 50 6

45 UJB Financial C 1,132 1,009 48 3

46 Meridian Bancor 1,116 1,130 41 -5

47 SouthTrust Corp 1,113 985 49 2

48 Marshall & Ilsl 1,097 1,031 45 -3

49 Crestar Financi 1,083 1,016 47 -2

50 AmSouth Bancorp 1,065 1,105 42 -8

51 First Maryland 1,063 963 51

52 MBNA Corp., New 987 815 58 6

53 Integra Financi 976 938 53

54 Regions Financi 967 856 56 2

55 BanPonce Corp., 954 909 54 -1

56 Bancorp Hawaii, 950 906 55 -1

57 First Security 887 789 59 2

58 Old Kent Financ 885 751 61 3

59 BanCal Tri-Stat 863 676 69 10

60 BayBanks, Inc., 838 742 62 2

61 Canadian Imperi 835 718 65 4

62 Michigan Nation 819 817 57 -5

63 LaSalle Nationa 812 701 67 4

64 Union Planters 774 494 82 18

65 First Empire St 772 741 63 -2

66 Commerce Bancsh 759 709 66

67 First Virginia 757 720 64 -3

68 First Tennessee 753 673 70 2

69 Signet Banking 752 1,026 46 -23

70 Mercantile Bank 724 657 71 1

71 Central Fidelit 698 687 68 -3

72 West One Bancor 648 612 73 1

73 Synovus Financi 624 490 83 10

74 Compass Bancsha 623 550 76 2

75 Star Banc Corp. 620 647 72 -3

76 First American 620 573 75 -1

77 Hibernia Corp., 605 411 88 11

78 Citizens Financ 593 466 84 6

79 Bank South Corp 565 450 85 6

80 First Hawaiian, 565 537 77 -3

81 First Commerce 559 527 78 -3

82 Fourth Financia 554 500 80 -2

83 FirstMerit Corp 535 419 86 3

84 UMB Financial C 530 504 79 -5

85 Dauphin Deposit 491 499 81 -4

86 Summit Bancorpo 458 372 93 7

87 Premier Bancorp 447 384 92 5

88 Trustmark Corp. 439 368 95 7

89 Deposit Guarant 438 396 90 1

90 Keystone Financ 428 356 97 7

91 First Citizens 426 392 91

92 Wilmington Trus 423 398 89 -3

93 Magna Group, In 404 359 96 3

94 Onbancorp, Inc. 393 415 87 -7

95 Provident Banco 386 345 98 3

96 Valley National 379 277 109 13

97 Old National Ba 379 306 104 7

98 CCB Financial C 360 242 117 19

99 Centura Banks, 358 292 108 9

100 City National C 351 315 100

Totals for the $212,025 $195,340 8.54%

Set 3 of 4

Tier 1

Capital

Rank Total Capital Total Assets

6/95 6/30/95 6/30/94 6/30/95 6/30/94

1 Citicorp, New Y $27,353 $24,474 $256,994 $254,246

2 BankAmerica Cor 22,624 19,656 226,599 197,543

3 Chemical Bankin 15,634 15,378 178,531 168,921

4 NationsBank Cor 15,205 14,013 184,188 164,398

5 J.P. Morgan & C 12,678 11,856 166,560 157,817

6 Chase Manhattan 12,681 12,000 118,756 114,495

7 Banc One Corp., 9,968 9,388 86,783 84,544

8 Bankers Trust N 7,432 7,370 102,900 103,639

9 First Chicago C 6,783 6,426 75,328 64,089

10 First Union Cor 7,404 7,361 83,102 72,604

11 Bank of New Yor 6,701 5,853 53,464 52,347

12 KeyCorp, Clevel 5,651 5,720 67,481 63,357

13 PNC Bank Corp., 5,567 5,479 62,763 63,967

14 Norwest Corp., 4,619 4,611 66,623 55,757

15 Fleet Financial 5,129 4,966 51,317 48,158

16 Wachovia Corp., 4,889 4,371 42,867 37,069

17 Wells Fargo & C 4,959 5,372 50,931 52,287

18 NBD Bancorp, In 5,059 4,334 48,051 45,232

19 Republic New Yo 5,537 5,095 41,716 41,410

20 Mellon Bank Cor 4,399 3,809 40,016 36,974

21 Bank of Boston 5,423 4,813 45,254 43,437

22 First Interstat 4,416 4,509 55,952 53,303

23 SunTrust Banks, 3,496 3,350 44,248 40,865

24 Barnett Banks, 3,297 3,636 41,787 38,063

25 Boatmen's Bancs 3,238 2,615 33,408 27,583

26 National City C 3,580 3,268 34,562 30,253

27 First Bank Syst 3,594 2,828 33,456 25,932

28 Comerica, Inc., 3,197 2,994 35,451 31,609

29 First Fidelity 2,929 3,151 35,362 33,908

30 Shawmut Nationa 3,151 2,816 35,960 30,692

31 National Westmi 2,867 2,500 31,105 25,384

32 CoreStates Fina 2,959 3,091 29,031 27,464

33 U.S. Bancorp, P 2,295 2,151 21,350 21,167

34 Marine Midland 2,462 2,277 19,077 16,942

35 Southern Nation 1,665 641 20,662 8,236

36 Fifth Third Ban 1,712 1,424 16,164 12,750

37 First of Americ 2,041 1,675 23,888 23,077

38 State Street Bo 1,507 1,218 25,570 21,778

39 Huntington Banc 2,043 1,894 19,371 16,445

40 Firstar Corp., 1,652 1,325 18,572 13,823

41 Mercantile Banc 1,604 1,275 15,296 11,934

42 Northern Trust 1,658 1,513 19,301 18,439

43 Midlantic Corp. 1,629 1,485 13,734 13,429

44 Harris Bank, Ch 1,623 1,398 17,142 14,741

45 UJB Financial C 1,457 1,328 15,443 14,461

46 Meridian Bancor 1,530 1,556 14,911 15,196

47 SouthTrust Corp 1,673 1,510 19,079 15,932

48 Marshall & Ilsl 1,331 1,267 12,799 12,513

49 Crestar Financi 1,528 1,307 14,632 14,325

50 AmSouth Bancorp 1,438 1,503 17,005 17,337

51 First Maryland 1,326 1,222 9,766 9,200

52 MBNA Corp., New 1,289 1,103 12,080 8,160

53 Integra Financi 1,288 1,241 14,811 13,582

54 Regions Financi 1,258 1,025 13,478 10,823

55 BanPonce Corp., 1,059 1,012 14,573 12,751

56 Bancorp Hawaii, 1,182 1,136 12,574 12,647

57 First Security 1,072 964 12,426 11,735

58 Old Kent Financ 992 837 11,932 10,405

59 BanCal Tri-Stat 1,022 389 7,865 7,394

60 BayBanks, Inc., 946 853 11,006 10,490

61 Canadian Imperi 955 831 6,123 5,608

62 Michigan Nation 925 992 8,320 10,036

63 LaSalle Nationa 1,499 1,362 14,512 12,906

64 Union Planters 923 612 9,745 6,967

65 First Empire St 962 915 11,630 10,336

66 Commerce Bancsh 832 768 9,197 7,816

67 First Virginia 814 774 7,947 7,230

68 First Tennessee 935 843 11,614 10,229

69 Signet Banking 818 1,298 10,622 10,824

70 Mercantile Bank 774 703 5,929 5,587

71 Central Fidelit 935 915 10,418 9,641

72 West One Bancor 773 753 9,156 8,092

73 Synovus Financi 699 547 7,570 5,782

74 Compass Bancsha 827 690 9,656 7,770

75 Star Banc Corp. 856 869 9,230 7,911

76 First American 748 691 8,071 7,228

77 Hibernia Corp., 657 445 6,737 4,857

78 Citizens Financ 708 567 10,359 8,115

79 Bank South Corp 653 539 7,440 6,644

80 First Hawaiian, 726 699 7,471 7,048

81 First Commerce 692 649 7,061 6,316

82 Fourth Financia 619 557 7,505 7,646

83 FirstMerit Corp 572 452 5,793 4,530

84 UMB Financial C 562 542 5,668 6,241

85 Dauphin Deposit 529 553 5,008 4,839

86 Summit Bancorpo 553 458 5,512 4,507

87 Premier Bancorp 548 483 5,494 4,961

88 Trustmark Corp. 474 399 4,921 4,434

89 Deposit Guarant 485 435 5,630 5,027

90 Keystone Financ 467 389 4,734 3,717

91 First Citizens 484 441 6,913 6,031

92 Wilmington Trus 471 440 5,185 4,583

93 Magna Group, In 442 394 4,721 4,334

94 Onbancorp, Inc. 427 447 6,472 6,560

95 Provident Banco 618 562 5,607 5,055

96 Valley National 413 302 4,459 3,502

97 Old National Ba 445 374 4,430 3,739

98 CCB Financial C 436 310 4,838 3,270

99 Centura Banks, 400 325 4,938 4,066

100 City National C 375 338 2,818 2,869

Totals for the $301,732 $278,295 $3,194,507 $2,933,913

Set 4 of 4

Tier 1 Key Capital Ratios %

Capital

Rank Tier 1 Total Leverage

6/95 6/30/95 6/30/94 6/30/95 6/30/94 6/30/95 6/30/94

1 Citicorp, New Y 8.44 7.09 12.41 11.6 7.19 6.22

2 BankAmerica Cor 7.18 7.56 11.37 12.11 6.68 6.55

3 Chemical Bankin 8 8.68 11.9 12.78 5.8 6.41

4 NationsBank Cor 7.03 7.63 10.9 11.57 5.65 6.38

5 J.P. Morgan & C 8.7 9.3 12.8 13.5 6 6.2

6 Chase Manhattan 8.22 8.71 12.99 13.32 7.19 7.47

7 Banc One Corp., 10.19 10.8 13.52 14.38 8.71 8.5

8 Bankers Trust N 8.7 8.5 14 13.9 5.52 5.97

9 First Chicago C 8.7 8.9 13 13.8 7 8

10 First Union Cor 6.9 9.3 11.65 14.68 5.75 6.67

11 Bank of New Yor 8.62 8.29 13.2 12.76 8.17 7.66

12 KeyCorp, Clevel 7.45 8.77 10.82 12.03 5.88 6.76

13 PNC Bank Corp., 8.07 9.1 11.63 12 6.29 6.99

14 Norwest Corp., 8.04 10 10.18 12.4 5.85 6.85

15 Fleet Financial 9.5 11.8 13.5 16.6 7.5 7.4

16 Wachovia Corp., 9.31 9.56 13.15 13.35 8.47 8.43

17 Wells Fargo & C 8.6 10.06 12.48 14.56 6.69 7.2

18 NBD Bancorp, In 7.99 8.85 12.25 12.53 6.91 6.8

19 Republic New Yo 16.95 16.15 28.65 27.52 6.34 6.03

20 Mellon Bank Cor 8.98 7.9 12.31 11.41 8.33 7.38

21 Bank of Boston 7.72 7.1 13.04 12.3 7.31 6.55

22 First Interstat 7.22 9.61 10.22 12.51 5.67 6.54

23 SunTrust Banks, 8.09 8.42 10.06 10.58 6.8 6.8

24 Barnett Banks, 8.72 10.7 11.26 13.7 6.31 7.6

25 Boatmen's Bancs 10.87 10.53 13.9 14.07 7.63 7.14

26 National City C 8.45 9.1 12.37 12.65 7.35 7.86

27 First Bank Syst 7.7 8.3 12.2 12.6 7 7.2

28 Comerica, Inc., 7.61 8.41 10.85 11.58 6.59 6.86

29 First Fidelity 8.45 10.2 11.45 13.5 6.49 7.27

30 Shawmut Nationa 6.96 8.43 10.56 11.99 6.08 6.38

31 National Westmi 9.25 10.09 12.99 14.61 6.31 6.96

32 CoreStates Fina 7.9 9 11.6 13.1 7.2 7.6

33 U.S. Bancorp, P 8.65 8.38 11.49 11.29 8.29 7.62

34 Marine Midland 10.87 11.2 16.73 13.32 8.78 8.53

35 Southern Nation 11.3 12.9 12.6 14.1 7.4 7.2

36 Fifth Third Ban 11.19 11.4 12.85 13.5 9.5 9.5

37 First of Americ 9.09 8.49 12.53 10.77 6.27 5.76

38 State Street Bo 14.6 11.3 15.1 11.8 5.6 5.5

39 Huntington Banc 9.3 9.95 13.11 14.17 7.72 7.98

40 Firstar Corp., 10.94 11.46 12.61 13.29 7.93 8.5

41 Mercantile Banc 12.04 11.58 15.47 15.61 8.22 7.9

42 Northern Trust 9.18 8.8 12.3 12.3 6.59 6.1

43 Midlantic Corp. 12.57 10.85 16.63 14.87 9.08 8.17

44 Harris Bank, Ch 8.76 8.3 12.01 11.97 7.19 6.84

45 UJB Financial C 9.82 9.21 12.62 12.12 7.49 7.01

46 Meridian Bancor 9.31 9.66 12.76 13.3 7.57 7.84

47 SouthTrust Corp 7.51 8.27 11.29 12.67 6.06 6.41

48 Marshall & Ilsl 11.41 11.21 13.85 13.77 8.76 8.32

49 Crestar Financi 8.94 9.33 12.61 12.01 7.8 6.76

50 AmSouth Bancorp 8.13 9.5 10.98 12.92 6.4 7.99

51 First Maryland 13.64 13.7 17 17.38 11 10.12

52 MBNA Corp., New 9.91 11.43 12.94 15.45 8.62 10.51

53 Integra Financi 10.97 11.47 14.48 15.18 6.88 7.04

54 Regions Financi 10.38 11.81 13.87 14.15 7.4 8.08

55 BanPonce Corp., 11.58 12.66 12.85 14.11 7.07 7.43

56 Bancorp Hawaii, 10.54 10.84 13.11 13.59 7.81 7.21

57 First Security 10.12 9.92 12.22 12.12 7.2 6.78

58 Old Kent Financ 10.38 11.04 11.64 12.3 7.44 7.23

59 BanCal Tri-Stat 11.6 9.7 13.7 15.3 11.2 9.2

60 BayBanks, Inc., 11.99 11.72 13.53 13.46 7.75 7.32

61 Canadian Imperi 8.67 7.96 9.92 9.21 13.37 12.49

62 Michigan Nation 11.11 10.09 12.56 12.26 9.83 8.2

63 LaSalle Nationa 7.17 7.43 13.23 14.43 5.71 5.47

64 Union Planters 12.98 14.56 15.49 18.02 7.96 7.18

65 First Empire St 8.51 9.53 10.6 11.76 6.72 7.48

66 Commerce Bancsh 12.6 14.52 13.81 15.75 8.55 9.08

67 First Virginia 15.13 16.35 16.28 17.56 9.71 10.06

68 First Tennessee 9.2 9.73 11.4 12.18 6.8 6.84

69 Signet Banking 10.1 12.49 12.91 15.79 7.2 8.94

70 Mercantile Bank 18.14 18.69 19.4 19.98 12.36 11.87

71 Central Fidelit 10.04 10.99 13.45 14.65 6.97 7.27

72 West One Bancor 9.19 9.74 10.96 11.98 7.4 7.75

73 Synovus Financi 10.92 11.53 12.24 12.87 8.43 8.61

74 Compass Bancsha 9.69 10.47 12.88 13.15 6.73 7.07

75 Star Banc Corp. 8.84 10.93 12.21 14.68 6.84 8.22

76 First American 9.98 10.71 12.04 12.91 7.93 7.97

77 Hibernia Corp., 14.77 15.45 16.05 16.76 9.11 8.54

78 Citizens Financ 10.13 9.59 12.07 11.68 6.12 5.97

79 Bank South Corp 10.69 10.78 12.35 12.89 7.54 7.65

80 First Hawaiian, 9.24 9.91 11.87 12.9 7.43 7.61

81 First Commerce 13.98 17.04 17.31 21 8.14 8.31

82 Fourth Financia 10.74 10.97 11.99 12.22 7.4 7

83 FirstMerit Corp 14.5 14.74 15.51 15.91 9.38 9.45

84 UMB Financial C 17.08 17.56 18.13 17.87 9.47 8.18

85 Dauphin Deposit 14.2 15.42 15.31 17.1 9.9 10.19

86 Summit Bancorpo 12.71 12.76 15.34 15.71 8.32 8.28

87 Premier Bancorp 12.9 12.79 15.8 16.09 8.23 7.82

88 Trustmark Corp. 15.67 15.15 16.93 16.42 9.04 8.23

89 Deposit Guarant 11.71 12.45 12.97 13.71 8.26 7.99

90 Keystone Financ 13.41 13.82 14.65 15.07 9.17 9.71

91 First Citizens 9.32 10.26 10.6 11.52 6.11 6.35

92 Wilmington Trus 10.82 11.65 12.04 12.9 8.86 8.82

93 Magna Group, In 12.89 12.87 14.13 14.16 8.57 8.29

94 Onbancorp, Inc. 13.55 16.39 14.72 17.64 6.07 6.34

95 Provident Banco 7.71 8.43 12.34 13.72 7.06 7.68

96 Valley National 14.01 13.97 15.26 15.23 8.49 7.99

97 Old National Ba 13.49 -1 15.79 -1 8.56 8.18

98 CCB Financial C 10.2 10.08 12.33 12.93 7.62 7.55

99 Centura Banks, 10.76 11.08 12.01 12.34 7.91 7.24

100 City National C 18.72 18.6 20.03 19.91 12.86 11.14

Totals for the 10.45 10.79 13.31 13.79 7.68 7.68 ===

Data Sources: American Banker survey, companies' midyear earnings releases, and data provided by SNL Securities, Charlottesville, Va. Data for 1994 are as reported in 1994 and have not been restated for acquisitions or accounting changes. Tier 1 capital is common stockholders' equity plus noncumulative perpetual preferred stock plus qualifying cumulative perpetual preferred stock plus minority interest in equity accounts of consolidated subsidiaries less goodwill, 50% of investments in certain subsidiaries, and 50% of reciprocal holdings of the capital instruments of other banking companies. Total capital is the sum of tier 1 capital and tier 2 capital. Tier 2 capital consists of qualifying loan and lease reserves; perpetual preferred stock that is not included in tier 1 capital; mandatory convertible notes; perpetual debt; and subordinated term debt less 50% of investments in certain subsidiaries and 50% of the reciprocal holdings in the capital instruments of other banking companies. Key capital ratios include the tier 1 and the total capital ratios, which are tier 1 capital and total capital as percentages of weighted risk assets, respectively; and the leverage capital ratio, which is tier 1 capital as a percentage of average total assets for the second quarter less goodwill and other disallowed intangibles (a)- The 1995 data are combined for Harris Bankcorp Inc. and Harris Bankmont Inc. Data for 1994 are for Harris Bankcorp only. (H) More than 50% owned by a foreign bank. Compiled by American Banker, 1995.

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