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part 1 of 3
Asset Rank Total Assets
Sep-96 -0.0625 Name of Bank 9/30/96
1 1 Chase Manhattan Corp., New York (r) 322,604
2 2 Citicorp, New York 271,930
3 3 BankAmerica Corp., San Francisco 242,953
4 4 J.P. Morgan & Co., Inc., New York 211,648
5 5 NationsBank Corp., Charlotte, N.C. (a) 187,671
6 6 First Union Corp., Charlotte, N.C. (r) 133,882
7 7 Bankers Trust New York Corp. 120,847
8 9 Wells Fargo & Co., San Francisco 109,176
9 8 First Chicago NBD Corp. (r) 106,694
10 10 Banc One Corp., Columbus, Ohio 98,562
11 11 Fleet Financial Group, Inc., Boston (r) 87,192
12 12 Norwest Corp., Minneapolis 78,428
13 13 PNC Bank Corp., Pittsburgh (r) 69,662
14 14 KeyCorp, Cleveland 65,356
15 16 Bank of Boston Corp. (r) 61,963
16 15 Bank of New York Co., Inc. 52,389
17 18 Republic New York Corp. 50,602
18 17 National City Corp., Cleveland (r) 49,729
19 19 SunTrust Banks, Inc., Atlanta 49,633
20 20 Wachovia Corp., Winston-Salem, N.C. 47,483
21 21 CoreStates Financial Corp, Philadelphia (r 45,198
22 22 Mellon Bank Corp., Pittsburgh 43,676
23 23 Barnett Banks, Inc., Jacksonville, Fla. 41,271
24 24 Boatmen's Bancshares, Inc., St. Louis, Mo. 40,694
25 25 First Bank System, Inc., Minneapolis 36,843
26 26 Comerica, Inc., Detroit 34,342
27 27 U.S. Bancorp, Portland, Ore. (r) 33,213
28 29 Union BanCal Corp., San Francisco (r,F) 28,680
29 28 State Street Boston Corp. 28,445
30 30 SouthTrust Corp., Birmingham, Ala. 24,776
31 32 Summit Bancorp, Princeton, N.J. (r) 22,388
32 33 First of America Bank Corp., Kalamazoo, Mi 22,169
33 31 HSBC Americas, Inc., Buffalo, N.Y. (F) 22,158
35 35 Southern National Corp., Winston-Salem, N. 21,097
36 38 Harris Bank, Chicago (F) 20,876
38 37 Fifth Third Bancorp, Cincinnati 20,087
39 39 Firstar Corp., Milwaukee 19,915
40 43 Regions Financial Corp., Birmingham, Ala. 18,731
41 41 AmSouth Bancorporation, Birmingham, Ala. 18,615
42 40 Crestar Financial Corp., Richmond (r) 18,252
43 42 Mercantile Bancorp. Inc., St. Louis, Mo. ( 18,199
44 44 LaSalle National Corp., Chicago (F) 17,602
46 47 MBNA Corp., Wilmington, Del. 15,562
47 46 Citizens Financial Group, Inc., Providence 14,450
49 48 Bancorp Hawaii, Inc., Honolulu 13,780
50 50 First Security Corp., Salt Lake City, Utah 13,739
51 52 First Empire State Corp., Buffalo, N.Y. 12,821
52 51 First Tennessee National Corp., Memphis 12,801
53 53 Old Kent Financial Corp., Grand Rapids, Mi 12,467
54 57 Compass Bancshares, Inc., Birmingham, Ala. 11,605
55 56 Union Planters Corp., Memphis, Tenn. (r) 11,500
56 55 Signet Banking Corp., Richmond 11,493
57 60 First Maryland Bancorp., Baltimore (F) 10,842
59 59 First American Corp., Nashville, Tenn. (r) 10,028
Totals and means for the 10 Mega banks(M) ($ bil.) $1,806.0
Totals and means for the top 20 superregional (s) ($ bil.) $969.60
Totals and means for the 29 large regional (l) ($ bil.) $474.80
Totals and means for all 59 banks in survey ($bil.) $3,250.3
Median values for the 10 mega banks (M)
Median values for the 20 superregionals (S)
Median values for the 29 large regionals (L)
Median values for all 59 banks in survey
part 2 of 3
Asset Rank Percent Net Income ROAA
Sep-96 -0.0625 Name of Bank Change 3Q96 3Q95 3Q96
1 1 Chase Manhattan Cor 0.26 858 764 1.06
2 2 Citicorp, New York 1.91 935 877 1.4
3 3 BankAmerica Corp., 1.72 683 704 1.12
4 4 J.P. Morgan & Co., 6.48 276 360 0.52
5 5 NationsBank Corp., -2.41 625 530 1.26
6 6 First Union Corp., -4.29 357 380.6 1.07
7 7 Bankers Trust New Y 5.45 176 155 0.57
8 9 Wells Fargo & Co., 0.54 321 261 1.18
9 8 First Chicago NBD C -6.17 358 357 1.29
10 10 Banc One Corp., Col 1.56 355.9 331 1.48
11 11 Fleet Financial Gro -0.61 294.9 268 1.36
12 12 Norwest Corp., Minn 0.74 289 245.2 1.49
13 13 PNC Bank Corp., Pit -3.19 234 210.7 1.35
14 14 KeyCorp, Cleveland 0.91 207 209.6 1.28
15 16 Bank of Boston Corp 21.9 80 174.5 0.53
16 15 Bank of New York Co 1.79 249 234 1.93
17 18 Republic New York C 4.16 107.7 95.2 0.87
18 17 National City Corp. 1.89 185.8 158.9 1.54
19 19 SunTrust Banks, Inc 3.26 155.6 143.7 1.29
20 20 Wachovia Corp., Win 3.11 164.6 151.3 1.44
21 21 CoreStates Financia 3.5 196.9 194.7 1.81
22 22 Mellon Bank Corp., 2.12 181 175 1.71
23 23 Barnett Banks, Inc. -0.97 127 134.1 1.25
24 24 Boatmen's Bancshare 0.03 125.3 133.7 1.24
25 25 First Bank System, 1.82 137.5 145.7 1.56
26 26 Comerica, Inc., Det -2.95 121.5 105.3 1.45
27 27 U.S. Bancorp, Portl 1.29 118.2 114.1 1.46
28 29 Union BanCal Corp., 2.01 62 83.9 0.89
29 28 State Street Boston -1.72 73.6 64.6 1
30 30 SouthTrust Corp., B 4.92 65.7 50.5 1.1
31 32 Summit Bancorp, Pri 0.01 74 62.2 1.33
32 33 First of America Ba -0.16 51 66.7 0.93
33 31 HSBC Americas, Inc. -2.5 101 81 1.89
35 35 Southern National C 2.63 56 64.6 1.08
36 38 Harris Bank, Chicag 6.09 31.6 41.4 0.65
38 37 Fifth Third Bancorp 1.17 79.1 75.2 1.58
39 39 Firstar Corp., Milw 5.86 69.3 67.1 1.42
40 43 Regions Financial C 4.52 50.6 53.8 1.12
41 41 AmSouth Bancorporat 2.62 35.2 46.1 0.77
42 40 Crestar Financial C -1.28 36.8 52.1 0.85
43 42 Mercantile Bancorp. 0.89 55.7 62.8 1.23
44 44 LaSalle National Co 4.88 49 45.9 1.15
46 47 MBNA Corp., Wilming 11.52 129.5 97.3 3.46
47 46 Citizens Financial -1.63 N.A. 21.4 N.A.
49 48 Bancorp Hawaii, Inc 0.66 31.3 32.9 0.91
50 50 First Security Corp 5.39 47.4 39.3 1.44
51 52 First Empire State 2.22 35.9 35.6 1.14
52 51 First Tennessee Nat -1.19 46.8 43.8 1.48
53 53 Old Kent Financial 1.89 40.3 38.3 1.3
54 57 Compass Bancshares, 7.66 25.8 30.3 0.93
55 56 Union Planters Corp 1.16 34 38 1.2
56 55 Signet Banking Corp -0.29 29.6 30.1 1.04
57 60 First Maryland Banc 10.64 33.7 31 1.31
59 59 First American Corp 1.56 27.4 27.7 1.12
Totals 0.76 $4.945 $4.720 1.1
Totals 2.07 $3.176 $3.093 1.33
Totals 2.17 $1.420 $1,423 1.26
Totals 1.37 $9.541 $9.236 1.26
Median values for the 10 mega banks (M) 1.15
Median values for the 20 superregionals (S) 1.36
Median values for the 29 large regionals (L) 1.18
Median values for all 59 banks in survey 1.26
part 3 of 3
Profitability Ratios
Asset Rank ROACE Efficiency
Sep-96 -0.0625 Name of Bank 3Q95 3Q96 3Q95 3Q96
1 1 Chase Manhattan Cor 1 16.68 15.26 57.57
2 2 Citicorp, New York 1.32 18.67 18.05 60.12
3 3 BankAmerica Corp., 1.22 13.52 14.26 54.94
4 4 J.P. Morgan & Co., 0.83 10.02 14.46 72.98
5 5 NationsBank Corp., 1.11 19.04 18.46 55.96
6 6 First Union Corp., 1.26 15.91 17.83 57.34
7 7 Bankers Trust New Y 0.57 13.42 12.54 79.39
8 9 Wells Fargo & Co., 2.09 8.69 27.52 57.78
9 8 First Chicago NBD C 1.14 16.2 16.79 51.46
10 10 Banc One Corp., Col 1.53 16.88 16.91 57.65
11 11 Fleet Financial Gro 1.28 16.54 15.83 58.48
12 12 Norwest Corp., Minn 1.44 20.11 20.57 58.55
13 13 PNC Bank Corp., Pit 1.12 16.23 14.53 57.22
14 14 KeyCorp, Cleveland 1.26 16.82 17.94 60.71
15 16 Bank of Boston Corp 1.23 6.72 15.79 56.24
16 15 Bank of New York Co 1.8 19.53 19.16 52.18
17 18 Republic New York C 0.91 13.81 13.37 54.73
18 17 National City Corp. 1.29 17.64 16.46 58.18
19 19 SunTrust Banks, Inc 1.33 13.2 14.05 58.8
20 20 Wachovia Corp., Win 1.42 18.13 17.47 51.67
21 21 CoreStates Financia 1.75 19.84 20.89 53.72
22 22 Mellon Bank Corp., 1.71 19.25 17.14 60.47
23 23 Barnett Banks, Inc. 1.3 15.34 16.02 55.55
24 24 Boatmen's Bancshare 1.32 13.81 15.49 55.37
25 25 First Bank System, 1.78 17.2 20.83 46.86
26 26 Comerica, Inc., Det 1.22 17.99 16.81 53.7
27 27 U.S. Bancorp, Portl 1.51 16.72 17.34 54
28 29 Union BanCal Corp., 1.29 10.18 14.21 62.44
29 28 State Street Boston 0.97 18.36 17 74.22
30 30 SouthTrust Corp., B 1.04 15.98 15.89 53.56
31 32 Summit Bancorp, Pri 1.18 15.69 14.54 50.8
32 33 First of America Ba 1.14 11.71 15.29 60.06
33 31 HSBC Americas, Inc. 1.72 21.36 18.08 53.75
35 35 Southern National C 1.25 13.63 15.91 52.6
36 38 Harris Bank, Chicag 0.93 8.1 13.48 63.45
38 37 Fifth Third Bancorp 1.81 15.47 18.51 41.04
39 39 Firstar Corp., Milw 1.46 18.11 17.47 55.99
40 43 Regions Financial C 1.28 13.55 15.36 54.93
41 41 AmSouth Bancorporat 1.1 10.14 13.49 54.72
42 40 Crestar Financial C 1.25 10.42 14.74 58.99
43 42 Mercantile Bancorp. 1.41 14.28 15.75 57.39
44 44 LaSalle National Co 1.24 22.09 24.09 54.16
46 47 MBNA Corp., Wilming 3.23 37.47 39.1 60.52
47 46 Citizens Financial 0.84 N.A. 11.94 70.27
49 48 Bancorp Hawaii, Inc 1.06 11.85 12.69 64.68
50 50 First Security Corp 1.3 17.64 15.58 57.9
51 52 First Empire State 1.2 16.73 17.79 56.44
52 51 First Tennessee Nat 1.51 20.82 21.5 65.21
53 53 Old Kent Financial 1.31 16.32 15.53 58.05
54 57 Compass Bancshares, 1.21 13.87 17.52 62.34
55 56 Union Planters Corp 1.38 13.42 16.49 55.33
56 55 Signet Banking Corp 1.12 13.71 14.63 62.87
57 60 First Maryland Banc 1.27 11.33 11.01 64.6
59 59 First American Corp 1.28 13.04 15.92 63.25
Total 1.21 14.95 17.21 60.52
Total 1.35 16.17 16.84 56.83
Total 1.33 15.66 16.71 58.73
Total 1.32 15.71 16.84 58.39
Median values for the 10 mega banks 1.18 16.06 16.85 57.61
Median values for the 20 superregion 1.30 16.77 16.64 55.90
Median values for the 29 large regio 1.25 14.17 15.75 57.90
Median values for all 59 banks in su 1.27 15.95 16.02 57.39
part 3 of 4
Asset Quality
Asset Rank NPA/Assets Market-to-Book
Sep-96 -0.0625 Name 3Q95 3Q96 3Q95 3Q96 3Q95
1 1 Chase Man 61.4 0.47 0.61 190.64 148.73 2
2 2 Citicorp, 58.87 1.91 2.5 232.73 186.23
3 3 BankAmeri 57.01 0.74 1.07 161.28 128.51
4 4 J.P. Morg 64.32 0.08 0.11 168.9 156.76
5 5 NationsBa 55.87 0.6 0.57 189.81 152.84
6 6 First Uni 60.62 0.62 0.67 208.99 166.23
7 7 Bankers T 75.83 0.67 1.15 152.02 135.83
8 9 Wells Far 51.7 0.88 1.66 173.98 260.27
9 8 First Chi 55.32 0.31 0.27 166.91 153.25
10 10 Banc One 57.69 0.49 0.5 213.1 184.14
11 11 Fleet Fin 58.81 0.87 0.92 186.19 154.27
12 12 Norwest C 61.09 0.29 0.24 262.4 236.71
13 13 PNC Bank 63.36 0.72 0.84 193.7 158.83
14 14 KeyCorp, 59.32 0.61 0.53 200.82 165.14
15 16 Bank of B 58.01 0.82 0.91 208.11 185.38
16 15 Bank of N 49.07 0.49 0.61 225.61 183.5
17 18 Republic 53.8 0.3 0.2 143.95 141.78
18 17 National 64.41 0.36 0.42 216.25 175.03
19 19 SunTrust 58.66 0.48 0.56 191.32 184.61
20 20 Wachovia 52.8 0.16 j 219.32 203.04
21 21 CoreState 54.01 0.58 0.71 236.99 214.43
22 22 Mellon Ba 59.36 0.48 0.62 225.63 171.26
23 23 Barnett B 57.65 0.61 0.69 190.46 167.83
24 24 Boatmen's 56.27 0.49 0.45 248.89 171.14
25 25 First Ban 49.1 0.4 0.51 292.8 236.72
26 26 Comerica, 56.13 0.38 0.55 235.48 163.41
27 27 U.S. Banc 56.21 0.6 0.61 226.23 168.36
28 29 Union Ban 61.06 0.63 1 123.63 137.59
29 28 State Str 74.29 0.03 0.1 283.33 214.48
30 30 SouthTrus 58.62 0.58 0.51 174.59 158.72
31 32 Summit Ba 55.7 0.82 1.17 202.91 165.29
32 33 First of 59.37 0.58 0.6 181.53 153.73
33 31 HSBC Amer 57.47 2 j N/A N/A
35 35 Southern 53.7 0.37 0.38 219.04 182.29
36 38 Harris Ba 66.46 0.19 0.37 N/A N/A
38 37 Fifth Thi 43.75 0.24 0.16 303.05 233.37
39 39 Firstar C 59.25 0.46 0.48 222.15 185.63
40 43 Regions F 56.19 0.38 0.45 194.09 176.63
41 41 AmSouth B 55.26 0.52 0.61 180.31 160.2
42 40 Crestar F 59.74 0.46 0.51 174.35 166.94
43 42 Mercantil 55.5 0.38 0.4 203.84 176.81
44 44 LaSalle Nj 0.57 j N/A N/A
46 47 MBNA Corp 62.24 0.02 0.01 593 583.69
47 46 Citizens j 0.68 j N/A N/A
49 48 Bancorp H 60.54 0.72 0.44 148.91 134.84
50 50 First Sec 63.14 0.28 0.24 190.18 154.14
51 52 First Emp 60.13 0.53 0.58 190.69 158.96
52 51 First Ten 65.27 0.2 0.27 240.84 223.97
53 53 Old Kent 57.25 0.39 0.41 195.46 172.74
54 57 Compass B 57.91 0.27 0.23 179.22 179.39
55 56 Union Pla 59.16 0.42 0.3 173.17 157.41
56 55 Signet Ba 65.99 0.38 0.46 179.65 184.83
57 60 First Mar 64.64 0.44 j 0.50 N/A N/A
59 59 First Ame 57.5 0.22 0.28 169.31 171.68
Total 59.86 0.68 0.91 185.84 167.28
Total 58.10 0.49 0.56 214.29 176.61
Total 58.83 0.42 0.56 216.28 192.79
Total 58.76 0.52 0.62 209.91 183.18
Median values for the 10 m 58.28 0.61 0.64 181.9 155.01
Median values for the 20 s 58.32 0.49 0.56 217.79 171.2
Median values for the 29 l 59.16 0.42 0.45 192.39 174.69
Median values for all 59 b 58.62 0.48 0.51 194.78 171.2
Data sources: SNL Securities, Clarlottesville, Va., and American
