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part 1 of 2
Rank Net Income For Full Year
1995 Name 1995 1994
1 Citicorp, New York 3,464,000 3,366,000
2 BankAmerica Corp., San Francisco 2,664,000 2,176,000
3 NationsBank Corp., Charlotte, N.C. 1,950,164 1,689,858
4 Chemical Banking Corp., New York 1,805,000 1,294,000
5 First Union Corp., Charlotte, N.C. 1,430,181 925,380
6 J.P. Morgan & Co., Inc., New York 1,296,000 1,215,420
7 Banc One Corp., Columbus, Ohio 1,277,863 1,005,109
8 Chase Manhattan Corp., New York 1,165,000 1,205,000
9 First Chicago NBD Corp. (a) 1,150,000 531,664
10 Wells Fargo & Co., San Francisco 1,032,000 840,614
11 Norwest Corp., Minneapolis 956,000 800,400
12 Bank of New York Co., Inc. 913,891 749,200
13 First Interstate Bancorp, Los Angeles 885,100 733,500
14 KeyCorp, Cleveland 824,982 853,490
15 Mellon Bank Corp., Pittsburgh 691,000 433,000
16 Fleet Financial Group, Inc., Boston 609,953 612,931
17 Wachovia Corp., Winston-Salem, N.C. 602,543 539,058
18 First Bank System, Inc., Minneapolis 568,100 419,800
19 SunTrust Banks, Inc., Atlanta 565,500 522,744
20 Bank of Boston Corp. 540,981 435,362
21 Barnett Banks, Inc., Jacksonville, Fla. 533,301 487,971
22 National City Corp., Cleveland 465,109 429,434
23 CoreStates Financial Corp, Philadelphia 452,237 245,362
24 Boatmen s Bancshares, Inc., St. Louis, Mo. 418,835 355,332
25 Comerica, Inc., Detroit 413,366 387,242
26 PNC Bank Corp., Pittsburgh 408,060 610,062
27 MBNA Corp., Newark, Del. 353,099 266,593
28 U.S. Bancorp, Portland, Ore. 328,971 151,495
29 National Westminster Bancorp, Inc., Jersey City 305,622 298,598
30 HSBC Americas, Inc., Buffalo, N.Y. (f) 291,687 229,309
31 Republic New York Corp. 288,649 340,008
32 Fifth Third Bancorp, Cincinnati 287,685 244,459
33 Greenwood Trust Co., New Castle, Del. (n) 287,435 413,754
34 State Street Boston Corp. 247,109 207,413
35 Huntington Bancshares, Inc., Columbus, Ohio 244,489 242,593
36 First USA Bank, Wilmington, Del. (n) 237,312 194,444
37 First of America Bank Corp., Kalamazoo, Mich. 236,708 220,503
38 Firstar Corp., Milwaukee 228,913 207,743
39 Northern Trust Corp., Chicago 220,000 182,177
40 American Express Centurion Bank, Wilmington, De 217,217 224,329
41 Mercantile Bancorporation Inc., St. Louis, Mo. 216,835 161,029
42 Bankers Trust New York Corp. 215,000 615,000
43 Union Bank, San Francisco (f) 207,341 75,261
44 SouthTrust Corp., Birmingham, Ala. 199,005 173,002
45 Marshall & Ilsley Corp., Milwaukee, Wis . 193,299 105,940
46 Crestar Financial Corp., Richmond 179,797 169,079
47 Southern National Corp., Winston-Salem, N.C. 178,133 109,644
48 AmSouth Bancorporation, Birmingham, Ala. 174,955 127,290
49 LaSalle National Corp., Chicago (f) 174,740 134,639
50 Regions Financial Corp., Birmingham, Ala. 172,824 145,884
51 UJB Financial Corp., Princeton, N.J. (b) 170,367 130,150
52 Meridian Bancorp., Inc., Reading, Pa. 169,814 159,358
53 First Tennessee National Corp., Memphis 164,888 146,349
54 Harris Bank, Chicago (f) 163,800 97,346
55 BanPonce Corp., Ponce, P.R. 146,361 124,749
56 Old Kent Financial Corp., Grand Rapids, Mich. 141,814 136,107
57 BayBanks, Inc., Boston 137,374 107,437
58 Star Banc Corp., Cincinnati 136,603 116,591
59 Union Planters Corp., Memphis, Tenn. 135,402 58,608
60 Signet Banking Corp., Richmond 133,830 149,834
61 First Empire State Corp., Buffalo, N.Y. 131,036 117,295
62 Integra Financial Corp., Pittsburgh 128,390 169,033
63 Hibernia Corp., New Orleans, La. 123,859 84,651
64 Bancorp Hawaii, Inc., Honolulu 121,800 117,738
65 First Maryland Bancorp., Baltimore (f) 120,187 111,140
66 First Security Corp., Salt Lake City, Utah 120,005 140,134
67 Synovus Financial Corp., Columbus, Ga. 114,583 86,448
68 First Virginia Banks, Inc., Falls Church 111,599 113,221
69 Compass Bancshares, Inc., Birmingham, Ala. 110,265 99,671
70 European American Bank, New York 109,469 88,690
71 First Deposit National Bank, Tilton, N.H. (n) 109,313 100,709
72 Commerce Bancshares, Inc., Kansas City, Mo. 107,640 96,111
73 Canadian Imperial Holdings, Inc., New York (f) 106,374 99,128
74 BanCal Tri-State Corp., San Francisco (f) 105,601 196,696
75 Central Fidelity Banks Inc., Richmond 105,370 84,864
76 Mercantile Bankshares Corp., Baltimore 104,432 90,441
77 First American Corp., Nashville, Tenn. 103,080 90,732
78 Michigan National Corp., Farmington Hills (f) 101,955 171,702
79 Wilmington Trust Corp., Del. 90,031 85,169
80 Riggs National Corp., Washington, D.C. 87,802 34,019
81 Citizens Financial Group, Inc., Providence, R.I 83,693 56,481
82 First National of Nebraska, Inc., Omaha 82,200 77,133
83 Zions Bancorporation, Salt Lake City, Utah 81,328 63,827
84 Capital One Bank, Glen Allen, Va. (n) 80,715 1,412
85 First Hawaiian, Inc., Honolulu 77,005 72,511
86 First Commerce Corp., New Orleans, La. 75,951 63,684
87 Monogram Credit Card Bank, Atlanta, Ga. (n) 74,392 60,056
88 Deposit Guaranty Corp., Jackson, Miss. 72,620 67,130
89 Summit Bancorporation, Chatham, N.J. (b) 72,503 24,400
90 Provident Bancorp, Inc., Cincinnati 71,860 57,666
91 Colonial National Bank USA, Clayton, Del. (n) 70,864 74,670
92 Bank South Corp., Atlanta (d) 67,826 80,151
93 Fourth Financial Corp., Wichita, Kan. (e) 65,700 83,122
94 Dauphin Deposit Corp., Harrisburg, Pa. 65,565 70,039
95 Valley National Bancorp, Wayne, N.J. 62,596 59,044
96 Keystone Financial, Inc., Harrisburg, Pa. 61,314 51,359
97 Trustmark Corp., Jackson, Miss. 59,758 55,005
98 Centura Banks, Inc., Rocky Mount, N.C. 58,038 49,561
99 CCB Financial Corp., Durham, N.C. 57,860 38,478
100 Premier Bancorp, Inc., Baton Rouge, La. (g) 57,428 69,472
part 2 of 2
PROFITABILITY RATIO (%)
Rank Rank Change Return on avg. Return on avg.
assets equity
1995 Name 1994 In Rank 1995 1994 1995
1 Citicorp, New York 1 1.29 1.29 20.8
2 BankAmerica Corp., 2 1.17 1.08 14.58
3 NationsBank Corp., 3 1.03 1.02 17.01
4 Chemical Banking Co 4 1 0.78 17.08
5 First Union Corp., 8 3 1.21 1.27 16.69
6 J.P. Morgan & Co., 5 -1 0.73 0.7 13.6
7 Banc One Corp., Col 7 1.47 1.15 16.77
8 Chase Manhattan Cor 6 -2 0.92 1.01 14.49
9 First Chicago NBD C 19 10 0.94 1.25 14.3
10 Wells Fargo & Co., 10 2.03 1.62 29.7
11 Norwest Corp., Minn 11 1.44 1.45 22.3
12 Bank of New York Co 12 1.72 1.49 19.42
13 First Interstate Ba 13 1.59 1.54 24.57
14 KeyCorp, Cleveland 9 -5 1.24 1.36 17.35
15 Mellon Bank Corp., 24 9 1.72 1.14 17.77
16 Fleet Financial Gro 16 0.74 1.27 9.32
17 Wachovia Corp., Win 18 1 1.45 1.46 17.67
18 First Bank System, 26 8 1.73 1.63 21.28
19 SunTrust Banks, Inc 20 1 1.31 1.32 14.48
20 Bank of Boston Corp 23 3 1.21 1.03 17.14
21 Barnett Banks, Inc. 21 1.3 1.28 16.54
22 National City Corp. 25 3 1.38 1.4 17.64
23 CoreStates Financia 34 11 1.59 0.9 19.59
24 Boatmen s Bancshare 29 5 1.28 1.29 15.15
25 Comerica, Inc., Det 28 3 1.21 1.23 16.46
26 PNC Bank Corp., Pit 17 -9 0.54 1 7.05
27 MBNA Corp., Newark, 33 6 3.09 3.16 35.51
28 U.S. Bancorp, Portl 52 24 1.09 0.72 12.9
29 National Westminste 31 2 0.95 1.16 10.04
30 HSBC Americas, Inc. 38 8 1.57 1.37 18.58
31 Republic New York C 30 -1 0.7 0.82 11.73
32 Fifth Third Bancorp 35 3 1.78 1.77 18.13
33 Greenwood Trust Co. 27 -6 3.54 5.49 30.3
34 State Street Boston 42 8 0.94 0.95 16.66
35 Huntington Bancshar 36 1 1.28 1.45 16.27
36 First USA Bank, Wil 44 8 3.6 3.09 40.4
37 First of America Ba 40 3 1 0.98 13.89
38 Firstar Corp., Milw 41 3 1.26 1.51 15.11
39 Northern Trust Corp 45 6 1.13 1.02 17.58
40 American Express Ce 39 -1 1.98 2.21 22.16
41 Mercantile Bancorpo 50 9 1.4 1.33 16.11
42 Bankers Trust New Y 15 -27 0.2 0.59 3.98
43 Union Bank, San Fra 87 44 1.15 0.47 15.07
44 SouthTrust Corp., B 46 2 1.05 1.09 15.79
45 Marshall & Ilsley C 70 25 1.52 0.76 16.41
46 Crestar Financial C 48 2 1.08 1.24 12.88
47 Southern National C 68 21 0.88 1.32 11.56
48 AmSouth Bancorporat 60 12 1.03 0.83 12.89
49 LaSalle National Co 58 9 1.21 1.05 22.94
50 Regions Financial C 55 5 1.29 1.29 15.81
51 UJB Financial Corp. 59 8 1.11 0.88 14.37
52 Meridian Bancorp., 51 -1 1.16 1.1 13.68
53 First Tennessee Nat 54 1 1.45 1.45 20.04
54 Harris Bank, Chicag 75 21 0.96 0.68 13.7
55 BanPonce Corp., Pon 61 6 1.04 1.02 14.22
56 Old Kent Financial 57 1 1.21 1.33 14.76
57 BayBanks, Inc., Bos 69 12 1.23 1.04 16
58 Star Banc Corp., Ci 65 7 1.45 1.41 17.59
59 Union Planters Corp 99 40 1.24 0.58 15.92
60 Signet Banking Corp 53 -7 1.12 1.41 14.65
61 First Empire State 64 3 1.23 1.17 18.14
62 Integra Financial C 49 -13 0.9 1.24 12.71
63 Hibernia Corp., New 83 20 1.78 1.35 19.22
64 Bancorp Hawaii, Inc 63 -1 0.98 0.93 11.87
65 First Maryland Banc 67 2 1.23 1.06 11.23
66 First Security Corp 56 -10 0.98 1.26 12.17
67 Synovus Financial C 80 13 1.53 1.5 17.92
68 First Virginia Bank 66 -2 1.41 1.58 13.34
69 Compass Bancshares, 73 4 1.16 1.24 16.93
70 European American B 79 9 1.46 1.4 20.39
71 First Deposit Natio 72 1 5.03s 54.74
72 Commerce Bancshares 76 4 1.21 1.21 12.72
73 Canadian Imperial H 74 1 1.76 1.76 12.01
74 BanCal Tri-State Co 43 -31 1.37 2.68 11.78
75 Central Fidelity Ba 82 7 1.03 0.89 13.99
76 Mercantile Bankshar 78 2 1.74 1.56 13.86
77 First American Corp 77 1.21 1.25 14.64
78 Michigan National C 47 -31 1.21 1.8 11.27
79 Wilmington Trust Co 81 2 1.83 1.88 20.7
80 Riggs National Corp 127 47 1.92 0.76 35.73
81 Citizens Financial 101 20 0.96 0.55 11.11
82 First National of N 86 4 1.5 1.69 21
83 Zions Bancorporatio 94 11 1.44 1.17 20.47
84 Capital One Bank, Gc . 1.83.... 19.75
85 First Hawaiian, Inc 89 4 1.02 1.01 12.03
86 First Commerce Corp 95 9 0.93 0.99 11.41
87 Monogram Credit Car 97 10 2.58 2.74 6.84
88 Deposit Guaranty C 93 5 1.3 1.36 14.58
89 Summit Bancorporati 151 62 1.32 0.45 15.86
90 Provident Bancorp, 100 10 1.29 1.24 18.37
91 Colonial National B 88 -3 4.02s 47.46
92 Bank South Corp., A 85 -7 0.92 1.28 11.51
93 Fourth Financial Co 84 -9 0.87 1.13 10.81
94 Dauphin Deposit Cor 91 -3 1.31 1.35 12.81
95 Valley National Ban 98 3 1.4 1.6 16.6
96 Keystone Financial, 105 9 1.29 1.16 14.06
97 Trustmark Corp., Ja 102 5 1.23 1.15 13.23
98 Centura Banks, Inc. 107 9 1.22 1.21 15.44
99 CCB Financial Corp. 121 22 1.2 1.16 14.56
100 Premier Bancorp, In 92 -8 1.05 1.39 12.19
part 3 of 3
OTHER PERFORMANCE RATIOS (%)
Rank Net Interest MarNonperf. Assets
1995 Name 1994 1995 1994 1995 1994
1 Citicorp, New York 25.8 4.74 4.19 2.33 2.86
2 BankAmerica Corp., 13.2 4.51 4.5 1.07 1.27
3 NationsBank Corp., 16.1 3.33 3.58 0.46 0.67
4 Chemical Banking Co 12.32 3.33 3.61 0.5 0.66
5 First Union Corp., 16.66 4.46 4.77 0.63 0.72
6 J.P. Morgan & Co., 14.49 1.55 1.56 0.06 0.14
7 Banc One Corp., Col 13.35 5.37 5.46 0.48 0.52
8 Chase Manhattan Cor 15.79 3.5 3.89 0.6 0.79
9 First Chicago NBD C 16.49 3.14 4.22 0.33 0.44
10 Wells Fargo & Co., 22.41 5.8 5.55 1.49 1.39
11 Norwest Corp., Minn 21.4 5.58 5.66 0.29 0.4
12 Bank of New York Co 18.49 4.53 4.11 0.55 1.1
13 First Interstate Ba 26.19 5.43 5.14 0.4 0.46
14 KeyCorp, Cleveland 18.87 4.47 4.83 0.57 0.51
15 Mellon Bank Corp., 9.79 4.43 4.71 0.85 0.89
16 Fleet Financial Gro 18.77 4.12 4.64 0.59 1.06
17 Wachovia Corp., Win 17.41 4.16 4.34 0.24 0.26
18 First Bank System, 19.26 4.91 5.28 0.45 0.58
19 SunTrust Banks, Inc 17.66 4.49 4.64 0.54 0.64
20 Bank of Boston Corp 16.08 4.45 4.14 0.81 1.14
21 Barnett Banks, Inc. 16.7 4.88 4.87 0.57 1.01
22 National City Corp. 17.06 4.44 4.65 0.38 0.4
23 CoreStates Financia 10.96 5.97 5.8 0.58 1.06
24 Boatmen s Bancshare 16.31 4.26 4.32 0.59 0.59
25 Comerica, Inc., Det 16.74 4.19 4.32 0.46 0.61
26 PNC Bank Corp., Pit 14.1 3.15 3.4 0.73 0.7
27 MBNA Corp., Newark, 32.7 5.74 7.61 0.36 0.02
28 U.S. Bancorp, Portl 8.58 5.38 5.35 0.52 0.94
29 National Westminste 12.76 3.71 4.12 1.31 1.49
30 HSBC Americas, Inc. 16.45 5.06 4.6 2.15 1.5
31 Republic New York C 15.2 2.61 2.64 0.23 0.27
32 Fifth Third Bancorp 18.6 3.9 4.16 0.24 0.18
33 Greenwood Trust Co. 46.42 11.42 10.26 1.42 1.26
34 State Street Boston 17.55 2.02 2.04 0.07 0.13
35 Huntington Bancshar 17.29 4.15 4.96 0.43 0.54
36 First USA Bank, Wil 39.73 5.41 5.66 0s 0.00
37 First of America Ba 14.43 4.28 4.58 0.63 0.57
38 Firstar Corp., Milw 16.97 4.55 5.03 0.51 0.38
39 Northern Trust Corp 16.57 2.3 2.36 0.17 0.16
40 American Express Ce 23.89 7.4 7.33 1.06s 0.80
41 Mercantile Bancorpo 15.82 4.25 4.67 0.57 0.31
42 Bankers Trust New Y 14.6 1.04 1.64 1.06 1.47
43 Union Bank, San Fra 5.89 5.21 4.97 0.74 1.06
44 SouthTrust Corp., B 15.86 4.01 4.23 0.59 0.65
45 Marshall & Ilsley C 8.6 4.3 4.4 0.47 0.48
46 Crestar Financial C 15.38 4.61 4.83 0.51 0.68
47 Southern National C 19.95 4.05 4.27 0.33 0.28
48 AmSouth Bancorporat 10.24 3.9 4.14 0.65 0.79
49 LaSalle National Co 21.27 3.93 4.12 0.58 0.63
50 Regions Financial C 15.97 4.1 4.26 0.33 0.36
51 UJB Financial Corp. 12.36 4.71 4.63 1.78 1.29
52 Meridian Bancorp., 13.26 4.67 4.73 0.6 0.81
53 First Tennessee Nat 20.04 3.92 4.28 0.26 0.35
54 Harris Bank, Chicag 9.7 3.75 3.95 0.35 0.62
55 BanPonce Corp., Pon 13.8 4.74 4.68 0.99 0.84
56 Old Kent Financial 16.04 4.46 4.6 0.45 0.62
57 BayBanks, Inc., Bos 14.5 5.11 5.04 0.7 1.26
58 Star Banc Corp., Ci 16.59 4.44 4.55 0.42 0.41
59 Union Planters Corp 7.4 4.59 4.39 0.37 0.25
60 Signet Banking Corp 15.55 5.07 4.34 0.49 3.75
61 First Empire State 16.64 4.36 4.89 0.84 0.83
62 Integra Financial C 17.95 3.86 4.2 0.53 0.71
63 Hibernia Corp., New 15.63 4.7 4.55 0.56 0.55
64 Bancorp Hawaii, Inc 12.13 3.72 3.82 0.43 0.42
65 First Maryland Banc 11.59 4.47 4.51 0.43 0.81
66 First Security Corp 16.13 4.39 4.64 0.2 0.22
67 Synovus Financial C 17.51 5.15 5.11 0.44 0.72
68 First Virginia Bank 15.76 5 5.28 0.35 0.33
69 Compass Bancshares, 17.35 4.01 4.54 0.35 0.21
70 European American B 20.57 4.41 4.76 0.25 0.3
71 First Deposit Natios 12.7s 0.35s 0.47
72 Commerce Bancshares 13.05 4.5 4.46 0.35 0.23
73 Canadian Imperial H 13.63 2.83 2.54 0.41 0.91
74 BanCal Tri-State Co 35.3 4.64 4.1 1.28 2.97
75 Central Fidelity Ba 11.85 3.59 3.8 0.61 0.9
76 Mercantile Bankshar 12.84 5.12 4.86 0.38 0.74
77 First American Corp 15.23 4 4.27 0.32 0.27
78 Michigan National C 19.5 4.85 4.74 1.39 1.65
79 Wilmington Trust Co 20.84 4.54 4.64 0.89 0.98
80 Riggs National Corp 19.58 3.74 3.89 0.97 1.71
81 Citizens Financial 9.13 4.02 4.16 1.4 1.3
82 First National of N 24.09 7.39s 1.57s 1.52
83 Zions Bancorporatio 18.82 4.5 4.07 0.33 0.38
84 Capital One Bank, G.... 5.35s c s 0.83c
85 First Hawaiian, Inc 11.73 4.36 4.63 1.22 0.84
86 First Commerce Corp 13.48 4.68 4.42 1.17 0.55
87 Monogram Credit Car 6.1 14.32 14.37 3.56s 2.04
88 Deposit Guaranty C 15.61 4.75 4.24 0.48 0.63
89 Summit Bancorporati 5.46 4.3 4.26 1.25 0.92
90 Provident Bancorp, 17.66 3.86 4.14 0.77 0.2
91 Colonial National Bs 3.28s 0.31s 0.27
92 Bank South Corp., A 14.26 3.71 4.56 0.16 0.37
93 Fourth Financial Co 15.34 4.14 4.3 0.41 0.46
94 Dauphin Deposit Cor 13.92 4 4.17 0.28 0.53
95 Valley National Ban 22.03 4.28 4.56 0.67 0.69
96 Keystone Financial, 12.71 4.49 4.63 0.52 0.65
97 Trustmark Corp., Ja 13.42 4.31 4.51 0.28 0.35
98 Centura Banks, Inc. 15.59 4.76 4.98 0.4 0.5
99 CCB Financial Corp. 14.9 4.7 4.87 0.24 0.35
100 Premier Bancorp, In 17.63 4.61 4.85 0.55 0.6
Sources of Data: American Banker survey, SNL Securities,