+++
Mega Banks - Assets of $75 billion or more on December 31, 1995
Return on Average Assets
Rank Rank ROAA ROAA
19961995 1996 1995
1 4 Banc One Corp., Columbus * 1.53 1.47
23(sr)Norwest Corp., Minneapolis * 1.52 1.44
3 1 Citicorp, New York 1.41 1.37
4 10 Fleet Financial Group, Inc., Boston * 1.34 0.74
5 3 NationsBank Corp., Charlotte, NC * 1 1.31 1.03
6 8 First Chicago NBD Corp., Chicago 1.27 0.94
7 6 Bank America Corp., San Francisco 1.19 1.17
8 5 First Union Corp., Charlotte, NC 1.1 1.21
91(sr)Wells Fargo & Co., San Francisco * 1 2.03
10 10 J.P. Morgan & Co., Inc., New York 0.8 0.73
11 2 Chase Manhattan Corp., New York * 0.77 0.92
12 7 Bankers Trust New York Corp. 0.55 0.2
Return on Average Common Equity
Rank Rank ROAE ROAE
19961995 1996 1995
13(sr)Norwest Corp., Minneapolis * 21.62 21.86
2 1 Citicorp, New York 21.53 20.74
3 3 NationsBank Corp., Charlotte, NC * 1 18.39 17.01
4 10 Fleet Financial Group, Inc., Boston * 18.33 9.33
5 4 Banc One Corp., Columbus * 18.1 16.77
6 8 First Chicago NBD Corp., Chicago 17.11 14.33
7 5 First Union Corp., Charlotte, NC 15.64 16.69
8 9 J.P. Morgan & Co., Inc., New York 15.1 13.58
9 6 Bank America Corp., San Francisco 14.63 14.58
10 11 Bankers Trust New York Corp. 12.95 4
11 7 Chase Manhattan Corp., New York * 11.68 14.49
121(sr)Wells Fargo & Co., San Francisco * 8.83 29.69
Nonperforming Assets Ratio
Rank Rank NPAR NPAR
19961995 1996 1995
14(sr)Norwest Corp., Minneapolis * 0.25 0.29
2 1 J.P. Morgan & Co., Inc., New York 0.25 0.06
3 2 First Chicago NBD Corp., Chicago 0.3 0.3
4 6 Chase Manhattan Corp., New York * 0.34 0.55
5 4 Banc One Corp., Columbus * 0.43 0.44
6 9 Bank America Corp., San Francisco 0.45 0.48
7 3 NationsBank Corp., Charlotte, NC * 1 0.56 0.46
8 10 Bankers Trust New York Corp. 0.6 1.1
9 8 First Union Corp., Charlotte, NC 0.61 0.54
10 7 Fleet Financial Group, Inc., Boston * 0.85 0.59
1120(srWells Fargo & Co., San Francisco * 0.9 1.5
12 11 Citicorp, New York 1.5 2.2
Superregional Banks - Assets between $25 billion and $75 billion
Return on Average Assets
Rank Rank ROAA ROAA
19961995 1996 1995
1 2 First Bank System, Inc., Minneapolis 2 2.1 1.73
2 3 Bank of New York Co., Inc., New York 1.86 1.72
3 3 Mellon Bank Corp., Pittsburgh * 1.76 1.72
4 16 US Bancorp , Portland, Oregon * 2 1.47 1.04
5 9 National City Corp., Cleveland 1.45 1.38
6 5 CoreStates Financial Corp., Philadelphia * 1.42 1.59
7 7 Wachovia Corp., Winston-Salem, NC 1.4 1.45
8 12 Boatmen's Bancshares, Inc., Jacksonville, 1.4 1.28
9 11 Barnett Banks Inc., Jacksonville, Fla. * 1.36 1.3
10 20 PNC Bank Corp., Pittsburgh * 1.35 0.54
11 10 Suntrust Banks, Inc., Atlanta 1.25 1.05
12 14 Comerica Inc., Detroit * 1.2 1.21
13 13 KeyCorp, Cleveland 1.17 1.24
14 14 Bank of Boston Corp., Boston * 1.13 1.21
1514(lrSouthTrust Corp., Birmingham, Ala. * 1.08 1.05
16 18 State Street Boston Corp., Boston 1.02 0.94
1710(lrUnion Bk of CA NA * 0.89 1.15
18 19 Republic NY, Corp., New York 0.87 0.68
Return on Average Common Equity
Rank Rank ROAE ROAE
19961995 1996 1995
1 4 First Bank System, Inc., Minneapolis 2 25.39 24.57
2 6 Bank of New York Co., Inc., New York 20.13 19.47
3 7 Mellon Bank Corp., Pittsburgh * 19.56 17.76
4 8 Wachovia Corp., Winston-Salem, NC 18.24 17.67
5 10 KeyCorp, Cleveland 17.77 17.35
6 9 National City Corp., Cleveland 17.73 17.64
7 20 PNC Bank Corp., Pittsburgh * 17.56 7.05
8 17 US Bancorp , Portland, Oregon * 2 17.43 16.66
9 12 State Street Boston Corp., Boston 17.43 16.66
10 13 Barnett Banks Inc., Jacksonville, Fla. * 17.18 16.54
11 5 CoreStates Financial Corp., Philadelphia * 17.15 19.59
12 14 Comerica Inc., Detroit * 16.41 16.46
139(lr)SouthTrust Corp., Birmingham, Ala. * 16.09 15.79
14 11 Bank of Boston Corp., Boston * 15.26 17.14
15 15 Boatmen's Bancshares, Inc., Jacksonville, 14.61 15.15
16 18 Republic NY, Corp., New York 14.45 11.46
17 16 Suntrust Banks, Inc., Atlanta 13.48 14.48
1811(lrUnion Bk of CA NA * 10.78 14.95
Nonperforming Assets Ratio
Rank Rank NPAR NPAR
19961995 1996 1995
1 1 State Street Boston Corp., Boston 0.04 0.07
2 2 Wachovia Corp., Winston-Salem, NC 0.17 0.15
3 3 Republic NY, Corp., New York 0.17 0.23
4 5 National City Corp., Cleveland 0.33 0.38
5 18 Bank of Boston Corp., Boston * 0.37 0.47
6 7 First Bank System, Inc., Minneapolis 2 0.38 0.45
7 14 Mellon Bank Corp., Pittsburgh * 0.41 0.58
8 8 Comerica Inc., Detroit * 0.42 0.46
9 16 Boatmen's Bancshares, Inc., Jacksonville, 0.46 0.59
10 11 Bank of New York Co., Inc., New York 0.5 0.55
11 14 CoreStates Financial Corp., Philadelphia * 0.54 0.58
12 10 Suntrust Banks, Inc., Atlanta 0.54 0.64
13 9 US Bancorp , Portland, Oregon * 2 0.59 0.52
14 12 KeyCorp, Cleveland 0.63 0.73
15 17 PNC Bank Corp., Pittsburgh * 0.63 0.73
1613(lrSouthTrust Corp., Birmingham, Ala. * 0.68 0.9
17 17 Union Bk of CA NA * 0.75 0.74
18 12 Barnett Banks Inc., Jacksonville, Fla. * 0.77 0.78
Return on Average Assets
Rank Rank ROAA ROAA
19961995 1996 1995
1N/A MBNA Corp., Wilmington, Del. 3.14 2.67
2 1 Fifth Third Bancorp, Cincinnati 1.78 1.78
3 2 HSBC Americas, Inc., Buffalo, NY3 1.72 1.57
4 3 Marshall & Ilsey Corp., Milwaukee 1.45 1.52
5 20 Southern National Corp., Winston-Salem, NC 1.36 0.91
6 7 Firstar Corp., Milwaukee 1.29 1.26
7 5 Regions Financial Corp., Birmingham, Ala. 1.28 1.21
8N/A First Security Corp., Salt Lake City, Utah 1.28 0.98
9 6 Huntington Bancshares, Inc., Columbus, Ohi 1.28 1.28
10 11 Northern Trust Corp., Chicago 1.25 1.13
11N/A Citizens Financial Grp, Inc., Providence, 1.18 0.82
12 8 La Salle National Corp, Chicago3 1.15 1.21
13 15 BanPonce Corp., San Juan 1.14 1.04
14 17 First of America Bank Corp., Mich. 1.12 1
15 4 Mercantile Bancorp, Inc., St. Louis * 1.1 1.4
16 12 Summit Bancorp, Princeton, NJ * 1.04 1.11
17 16 AmSouth Bancorp, Birmingham, Ala. 1.02 1.03
18 13 Crestar Financial Corp., Richmond, Va. 0.97 1.08
19N/A Union Planters Corp., Memphis, Tenn. 0.9 1.2
20 18 Harris Bank, Chicago3 0.86 0.96
Return on Average Common Equity
Rank Rank ROAE ROAE
19961995 1996 1995
1N/A MBNA Corp., Wilmington, Del. 33.06 27.91
2 2 HSBC Americas, Inc., Buffalo, NY 3 21.89 18.58
3 1 La Salle National Corp, Chicago 3 19.51 22.94
4 4 Northern Trust Corp., Chicago 18.76 17.58
5 3 Fifth Third Bancorp, Cincinnati 17.32 18.1
6 6 Huntington Bancshares, Inc., Columbus, Ohi 17.3 16.18
7 20 Southern National Corp., Winston-Salem, NC 16.83 11.84
8N/A First Security Corp., Salt Lake City, Utah 16.39 12.17
9 5 Marshall & Ilsey Corp., Milwaukee 16.34 16.7
10N/A Union Planters Corp., Memphis, Tenn. 16.04 13.67
11 13 BanPonce Corp., San Juan 16 13.67
12 10 Firstar Corp., Milwaukee 15.5 15.11
13 8 Regions Financial Corp., Birmingham, Ala. 15.17 14.29
14 14 First of America Bank Corp., Kalamazoo, Mi 14.72 13.89
15N/A Citizens Financial Grp, Inc., Providence, 13.44 9.48
16 17 AmSouth Bancorp, Birmingham, Ala. 13.18 12.89
17 7 Mercantile Bancorp,
Inc., St. Louis * 12.45 16.11
18 12 Summit Bancorp, Princeton, NJ * 12.29 14.37
19 18 Crestar Financial Corp., Richmond, Va. 12.25 12.88
20 15 Harris Bank, Chicago 3 10.93 13.68
Nonperforming Assets Ratio
Rank Rank NPAR NPAR
19961995 1996 1995
1 1 Northern Trust Corp., Chicago 0.1 0.17
2 7 Marshall & Ilsey Corp., Milwaukee 0.21 0.47
3N/A First Security Corp., Salt Lake City, Utah 0.26 0.2
4 20 HSBC Americas, Inc., Buffalo, NY 3 0.29 0.87
5 2 Fifth Third Bancorp, Cincinnati 0.29 0.18
6 5 Harris Bank, Chicago 3 0.3 0.35
7 12 La Salle National Corp, Chicago 3 0.32 0.61
8 6 Huntington Bancshares, Inc., Columbus, Ohi 0.32 0.38
9 3 Southern National Corp., Winston-Salem, NC 0.39 0.39
10 8 Firstar Corp., Milwaukee 0.48 0.51
11 8 Crestar Financial Corp., Richmond, Va. 0.48 0.51
12 15 First of America Bank Corp., Kalamazoo, Mi 0.52 0.63
13 16 AmSouth Bancorp, Birmingham, Ala. 0.52 0.67
14N/A Union Planters Corp., Memphis, Tenn. 0.54 0.38
15 11 Mercantile Bancorp, Inc., St. Louis * 0.58 0.57
16 19 Summit Bancorp, Princeton, NJ * 0.58 1.17
17N/A Citizens Financial Grp, Inc., Providence, 0.62 1
18 18 BanPonce Corp., San Juan 0.91 1
19 3 Regions Financial Corp., Birmingham, Ala. 0.93 0.95
20N/A MBNA Corp., Wilmington, Del. 1.1 1.04