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Westamerica Bancorporation
San Rafael, Calif.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $18.1 $2.8
Per share 0.42 0.07
Year to Date 1997 1996
Net income $36.2 $12.2
Per share 0.83 0.28
Balance Sheet 6/30/98 6/30/97
Assets $3,864.0 $3,750.0
Deposits 3,071.0 3,117.0
Loans 2,240.0 2,218.0
Trustmark Corp.
Jackson, Miss.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $20.5 $17.5
Per share 0.28 0.24
Year to Date 1997 1996
Net income $40.1 $35.2
Per share 0.55 0.46
Balance Sheet 6/30/98 6/30/97
Assets $5,856.8 $5,269.5
Deposits 3,965.4 3,697.4
Loans 3,308.1 2,729.9
Southtrust Corp.
Birmingham, Ala.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $89.5 $75.4
Per share 0.55 0.50
ROA 1.07% 1.06%
ROE 14.31% 16.01%
Net interest margin 3.78% 3.97%
Net interest income 290.1 262.0
Noninterest income 93.1 64.0
Noninterest expense 222.9 182.2
Year to Date 1998 1997
Net income $175.9 $146.3
Per share 1.09 0.98
ROA 1.09% 1.08%
ROE 14.51% 16.00%
Balance Sheet 6/30/98 6/30/97
Assets $34,667.9 $29,192.9
Deposits 21,150.8 18,679.4
Loans 24,654.1 21,105.9
Keystone Financial Inc.
Harrisburg, Pa.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $25.3 $15.0
Per share 0.48 0.29
Year to Date 1997 1996
Net income $49.4 $37.8
Per share 0.94 0.72
Balance Sheet 6/30/98 6/30/97
Assets $6,898.9 $6,880.8
Deposits 5,179.0 5,311.5
Loans 4,616.7 4,592.8
Riggs National Corp.
Washington D.C.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $14.5 $10.6
Per share 0.37 0.25
Year to Date 1997 1996
Net income $30.2 $21.1
Per share 0.78 0.50
Balance Sheet 6/30/98 6/30/97
Assets $5,792.3 $5,366.0
Deposits 4,263.7 4,062.7
Loans 3,149.9 2,651.0
Regions Financial Corp.
Birmingham, Ala.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $89.6 $77.5
Per share 0.59 0.52
ROA 1.40% 1.40%
ROE 16.61% 16.07%
Net interest margin 4.20% 4.38%
Net interest income 245.5 221.8
Noninterest income 81.3 65.5
Noninterest expense 180.5 160.9
Year to Date 1998 1997
Net income $175.8 $151.8
Per share 1.15 1.02
ROA 1.40% 1.39%
ROE 16.63% 16.04%
Balance Sheet 6/30/98 6/30/97
Assets $26,515.7 $22,720.3
Deposits 20,197.6 18,108.1
Loans 18,472.9 16,288.6
Union Planters Corp.
Memphis, Tenn.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $78.0 $68.0
Per share 0.90 0.80
ROA 1.70% 1.52%
ROE 17.57% 16.81%
Net interest margin 4.76% 4.82%
Net interest income 196.0 195.0
Noninterest income 111.0 84.0
Noninterest expense 162.0 153.0
Year to Date 1998 1997
Net income $153.0 $135.0
Per share 1.76 1.59
ROA 1.69% 1.51%
ROE 17.54% 16.98%
Balance Sheet 6/30/98 6/30/97
Assets $18,637.0 $18,035.0
Deposits 13,463.0 13,370.0
Loans 12,491.0 12,621.0
Northern Trust Corp.
Chicago
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $87.2 $75.4
Per share 0.75 0.65
ROA 1.32% 1.27%
ROE 20.48% 20.01%
Net interest margin 2.14% 2.20%
Net interest income 128.2 117.7
Noninterest income 265.7 223.2
Noninterest expense 247.7 217.0
Year to Date 1998 1997
Net income $172.1 $147.1
Per share 1.48 1.26
ROA 1.32% 1.28%
ROE 20.60% 19.96%
Balance Sheet 6/30/98 6/30/97
Assets $29,777.0 $26,051.0
Deposits 17,124.3 15,891.1
Loans 13,617.7 11,958.1
Marshall & Ilsley Corp.
Milwaukee, Wis.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $62.2 $59.4
Per share 0.54 0.58
ROA 1.21% 1.50%
ROE 11.86% 17.03%
Net interest margin 3.70% 3.99%
Net interest income 168.0 140.9
Noninterest income 184.5 140.8
Noninterest expense 251.0 188.0
Year to Date 1998 1997
Net income $137.7 $116.7
Per share 1.19 1.14
ROA 1.36% 1.49%
ROE 13.34% 17.01%
Balance Sheet 6/30/98 6/30/97
Assets $20,983.2 $16,437.5
Deposits 14,607.2 11,848.9
Loans 13,186.3 10,328.1
Mercantile Bancorp.
St. Louis, Mo.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $95.0 $32.2
Per share 0.70 0.28
ROA 1.20% 1.33%
ROE 15.10% 16.38%
Net interest margin 3.54% 4.30%
Net interest income 242.6 215.6
Noninterest income 104.5 87.9
Noninterest expense 201.4 220.5
Year to Date 1998 1997
Net income $198.9 $107.2
Per share 1.47 0.93
ROA 1.28% 1.36%
ROE 15.83% 16.00%
Balance Sheet 6/30/98 6/30/97
Assets $31,435.2 $22,579.6
Deposits 21,879.8 16,954.4
Loans 19,650.5 15,421.3
Hubco Inc.
Mahwah, N.J.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $.26 $14.2
Per share 0.01 0.46
Year to Date 1997 1996
Net income $10.8 $27.7
Per share 0.37 0.89
Balance Sheet 6/30/98 6/30/97
Assets $5,109.6 $4,797.5
Deposits 3,865.5 3,818.5
Loans 2,766.6 2,882.7
HSBC Americas Inc.
Buffalo, N.Y.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $126.2 $116.1
Per share NA NA
ROA 1.53% 1.55%
ROE 24.16% 22.90%
Net interest margin 3.58% 4.02%
Net interest income 293.9 299.7
Noninterest income 114.7 88.9
Noninterest expense 194.6 196.4
Year to Date 1998 1997
Net income $249.4 $230.6
Per share NA NA
ROA 1.57% 1.69%
ROE 24.01% 23.32%
Balance Sheet 6/30/98 6/30/97
Assets $34,277.8 $32,872.7
Deposits 25,955.9 23,285.6
Loans 20,549.1 20,476.6
Hibernia Corp.
New Orleans, La.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $42.8 $36.4
Per share 0.27 0.23
ROA 1.38% 1.36%
ROE 14.14% 13.55%
Net interest margin 4.63% 4.85%
Net interest income 130.8 116.7
Noninterest income 45.7 38.8
Noninterest expense 105.0 99.5
Year to Date 1998 1997
Net income $82.4 $70.9
Per share 0.52 0.45
ROA 1.34% 1.34%
ROE 13.74% 13.28%
Balance Sheet 6/30/98 6/30/97
Assets $12,604.7 $11,074.9
Deposits 9,715.6 9,190.0
Loans 8,924.6 7,147.3
Harris Bank
Chicago
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $50.3 $43.3
Per share NA NA
ROA 0.87% 0.83%
ROE 12.12% 11.11%
Net interest margin 2.99% 3.71%
Net interest income 150.4 171.5
Noninterest income 112.8 93.9
Noninterest expense 177.1 177.0
Year to Date 1998 1997
Net income $100.6 $88.4
Per share NA NA
ROA 0.90% 0.86%
ROE 12.20% 11.49%
Balance Sheet 6/30/98 6/30/97
Assets $24,119.0 $22,119.0
Deposits 16,816.0 16,313.0
Loans 13,337.0 12,414.0
Golden State Bancorp
Glendale, Calif.
Dollar amounts in millions (except per share)
Fourth Quarter 4Q98 4Q97
Net income $39.3 $24.3
Per share 0.51 0.36
ROA 0.88% 0.62%
ROE 12.19% 9.32%
Net interest margin 2.89% 2.68%
Net interest income 119.7 99.9
Noninterest income 29.4 23.7
Noninterest expense 77.2 67.8
Year to Date 1998 1997
Net income $128.7 $50.4
Per share 1.78 0.64
ROA 0.78% 0.33%
ROE 11.42% 5.14%
Balance Sheet 6/30/98 6/30/97
Assets $18,117.0 $16,218.0
Deposits 10,698.0 9,357.0
Loans 13,743.0 11,886.0
Fulton Financial Corp.
Lancaster, Pa.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $20.9 $19.1
Per share 0.35 0.32
Year to Date 1997 1996
Net income $41.5 $37.2
Per share 0.69 0.62
Balance Sheet 6/30/98 6/30/97
Assets $5,253.8 $4,927.8
Deposits 4,257.4 4,071.4
Loans 3,757.4 3,593.2
FirstMerit Corp.
Akron, Ohio
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $24.1 $21.3
Per share 0.38 0.34
Year to Date 1997 1996
Net income $46.1 $41.5
Per share 0.73 0.65
Balance Sheet 6/30/98 6/30/97
Assets $6,179.4 $5,317.1
Deposits 4,878.9 4,202.8
Loans 4,295.9 3,877.7
Compass Bancshares Inc.
Birmingham, Ala.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $45.0 $40.0
Per share 0.63 0.57
ROA 1.27% 1.23%
ROE 17.09% 17.28%
Net interest margin 4.12% 4.24%
Net interest income 131.0 127.0
Noninterest income 55.0 45.0
Noninterest expense 111.0 105.0
Year to Date 1998 1997
Net income $88.0 $78.0
Per share 1.24 1.12
ROA 1.27% 1.22%
ROE 17.07% 17.20%
Balance Sheet 6/30/98 6/30/97
Assets $14,648.0 $13,235.0
Deposits 10,652.0 10,127.0
Loans 8,983.0 8,656.0
CNB Bancshares Inc.
Evansville, Ind.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $23.2 $18.0
Per share 0.68 0.53
Year to Date 1997 1996
Net income $42.8 $35.6
Per share 1.26 1.05
Balance Sheet 6/30/98 6/30/97
Assets $6,660.4 $6,555.5
Deposits 4,691.8 4,598.7
Loans 3,640.1 3,806.3
Commerce Bancorp Inc.
Cherry Hill, N.J.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $12.1 $10.0
Per share 0.64 0.56
Year to Date 1997 1996
Net income $23.6 $19.5
Per share 1.25 1.09
Balance Sheet 6/30/98 6/30/97
Assets $4,449.7 $3,598.0
Deposits 3,862.6 3,187.3
Loans 1,661.6 1,361.9
Charter One Financial Inc.
Cleveland, Ohio
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $68.4 $55.0
Per share 0.52 0.43
ROA 1.38% 1.20%
ROE 18.63% 17.18%
Net interest margin 3.01% 2.96%
Net interest income 142.8 131.3
Noninterest income 47.8 33.9
Noninterest expense 82.9 65.6
Year to Date 1998 1997
Net income $131.9 $106.9
Per share 1.00 0.83
ROA 1.33% 1.18%
ROE 18.32% 16.72%
Balance Sheet 6/30/98 6/30/97
Assets $19,800.0 $18,645.2
Deposits 10,900.0 10,101.1
Loans 13,300.0 11,253.4
Commerce Bancshares Inc.
Kansas City, Mo.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $37.0 $32.0
Per share 0.63 0.54
ROA 1.46% 1.36%
ROE 14.63% 14.11%
Net interest margin 4.58% 4.62%
Net interest income 105.0 98.0
Noninterest income 56.0 42.0
Noninterest expense 93.0 84.0
Year to Date 1998 1997
Net income $72.0 $62.0
Per share 1.21 1.04
ROA 1.42% 1.32%
ROE 14.32% 13.53%
Balance Sheet 6/30/98 6/30/97
Assets $10,336.0 $9,794.0
Deposits 8,678.0 8,359.0
Loans 6,495.0 5,707.0
BancorpSouth Inc.
Tupelo, Miss.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $13.4 $12.3
Per share 0.30 0.27
Year to Date 1997 1996
Net income $26.4 $23.9
Per share 0.59 0.54
Balance Sheet 6/30/98 6/30/97
Assets $4,504.4 $3,821.1
Deposits 3,852.3 3,342.8
Loans 2,907.8 2,584.6
BB&T Corp.
Winston-Salem, N.C.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $122.0 $101.9
Per share 0.85 0.71
ROA 1.56% 1.44%
ROE 20.23% 17.92%
Net interest margin 4.27% 4.52%
Net interest income 299.9 288.2
Noninterest income 129.6 96.9
Noninterest expense 229.4 205.2
Year to Date 1998 1997
Net income $235.8 $201.9
Per share 1.63 1.40
ROA 1.53% 1.47%
ROE 19.50% 17.95%
Balance Sheet 6/30/98 6/30/97
Assets $31,543.5 $28,960.3
Deposits 21,130.0 20,791.9
Loans 21,970.0 17,790.0
Amsouth Bancorp
Birmingham, Ala.
Dollar amounts in millions (except per share)
Second Quarter 2Q98 2Q97
Net income $65.5 $55.9
Per share 0.54 0.45
ROA 1.34% 1.24%
ROE 18.48% 16.32%
Net interest margin 3.91% 4.09%
Net interest income 174.6 169.6
Noninterest income 108.4 65.8
Noninterest expense 158.2 131.4
Year to Date 1998 1997
Net income $127.5 $110.5
Per share 1.04 0.88
ROA 1.34% 1.23%
ROE 18.22% 16.13%
Balance Sheet 6/30/98 6/30/97
Assets $19,982.1 $18,353.3
Deposits 12,958.3 12,613.7
Loans 12,436.5 12,117.6