First Quarter Earnings Expectations

+++ Consensus estimates for top banks in market capitalization

1996 1st 1995 1st 1995 4th

Qtr. Est Quarter %Change Qtr. Earn.

Citicorp 1.72 1.53 12.42 1.72

BankAmerica Corp. 1.72 1.45 18.62 1.74

NationsBank 1.88 1.58 18.99 1.85

Chase Manhattan Corp. 1.66 1.44 15.28 1.81

First Union Corp. 1.45 1.19 21.85 1.45

J.P. Morgan & Co. 1.68 1.27 32.28 1.8

Banc One Corp. 0.78 0.68 14.71 0.77

Norwest Corp. 0.74 0.65 13.85 0.72

First Interstate Bancorp 2.69 2.66 1.13 3.01

Wells Fargo & Co. 5.29 4.41 19.95 6.29

Bank of New York Co. 1.14 1.02 11.76 1.12

Keycorp 0.87 0.86 1.16 0.86

First Bank System Inc. 1.14 0.96 18.75 1.12

SunTrust Banks Inc. 1.32 1.18 11.86 1.28

Wachovia Corp. 0.88 0.82 7.32 0.85

Mellon Bank Corp. 1.2 1.07 12.15 1.16

PNC Bank Corp. 0.66 0.54 22.22 0.6

First Chicago NBD Corp. 1 0.96 4.17 0.96

Barnett Banks Inc. 1.37 1.23 11.38 1.35

Fleet Financial Group 0.91 0.94 -3.19 0.94

CoreStates Financial Corp. 0.96 0.79 21.52 0.96

Fifth Third Bancorp 0.79 0.68 16.18 0.78

Bankers Trust New York Cor 1.4 -1.66 184.34 1.36

Bank of Boston Corp. 1.16 1.04 11.54 1.17

National City Corp. 0.75 0.7 7.14 0.77

Boatmen s Bancshares 0.87 0.83 4.82 0.88

Comerica Inc. 0.94 0.85 10.59 0.92

State Street Boston Corp. 0.79 0.68 16.18 0.78

Republic New York Corp. 1.57 1.43 9.79 1.54

U.S. Bancorp 0.69 0.65 6.15 0.64

Huntington Bancshares 0.48 0.39 23.08 0.49

Firstar Corp. 0.91 0.76 19.74 0.95

Northern Trust Corp. 1.01 0.85 18.82 1

First of America Bank Corp 0.96 0.81 18.52 1.04

Meridian Bancorp 0.92 0.73 26.03 1

Southern National 0.64 0.54 18.52 0.64

Synovus Financial 0.4 0.32 25 0.44

Mercantile Bancorp. 0.82 0.93 -11.83 1.05

Marshall & Ilsley Corp. 0.5 0.46 8.7 0.51

SouthTrust Corp. 0.63 0.57 10.53 0.61

Integra Financial Corp. 1.24 1.22 1.64 1.13

First Tennessee National C 0.57 0.51 11.76 0.67

AmSouth Bancorp 0.81 0.69 17.39 0.82

UJB Financial Corp. 0.75 0.72 4.17 0.79

Crestar Financial Corp. 1.3 1.2 8.33 1.28

BayBanks Inc. 1.88 1.58 18.99 1.9

First Security Corp. 0.53 0.47 12.77 0.48

Regions Financial Corp. 0.95 0.9 5.56 0.98

Union Bank - San Francisco 1.44 1.07 34.58 1.54

Source: First Call Corp.

part 2 of 2

Standard

% Change Deviation

Citicorp 0 0.06

BankAmerica Corp. -1.15 0.04

NationsBank 1.62 0.03

Chase Manhattan Corp. -8.29 0.06

First Union Corp. 0 0.03

J.P. Morgan & Co. -6.67 0.1

Banc One Corp. 1.3 0.02

Norwest Corp. 2.78 0.01

First Interstate Bancorp -10.63 0.24

Wells Fargo & Co. -15.9 0.12

Bank of New York Co. 1.79 0.02

Keycorp 1.16 0.02

First Bank System Inc. 1.79 0.01

SunTrust Banks Inc. 3.13 0.01

Wachovia Corp. 3.53 0.02

Mellon Bank Corp. 3.45 0.02

PNC Bank Corp. 10 0.03

First Chicago NBD Corp. 4.17 0.03

Barnett Banks Inc. 1.48 0.02

Fleet Financial Group -3.19 0.03

CoreStates Financial Corp. 0 0.02

Fifth Third Bancorp 1.28 0.01

Bankers Trust New York Cor 2.94 0.14

Bank of Boston Corp. -0.85 0.04

National City Corp. -2.6 0.02

Boatmen s Bancshares -1.14 0.01

Comerica Inc. 2.17 0.01

State Street Boston Corp. 1.28 0.02

Republic New York Corp. 1.95 0.04

U.S. Bancorp 7.81 0.02

Huntington Bancshares -2.04 0.01

Firstar Corp. -4.21 0.03

Northern Trust Corp. 1 0.01

First of America Bank Corp -7.69 0.04

Meridian Bancorp -8 0.04

Southern National 0 0.04

Synovus Financial -9.09 0.02

Mercantile Bancorp. -21.9 0.11

Marshall & Ilsley Corp. -1.96 0.01

SouthTrust Corp. 3.28 0.01

Integra Financial Corp. 9.73 0.04

First Tennessee National C -14.93 0.01

AmSouth Bancorp -1.22 0.01

UJB Financial Corp. -5.06 0.03

Crestar Financial Corp. 1.56 0.04

BayBanks Inc. -1.05 0.02

First Security Corp. 10.42 0.02

Regions Financial Corp. -3.06 0.03

Union Bank - San Francisco -6.49 0.1

Source: First Call Corp. ===

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