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HSBC Americas Inc. Buffalo, N.Y. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $120.3 $104.2 Per share NA NA ROA 1.55% 1.96% ROE 22.93% 21.66% Net interest margin 3.73% 4.82% Net interest income 290.1 255.5 Noninterest income 97.3 79.2 Noninterest expense 200.4 167.9 Year to Date 1997 1996 Net income $471.0 $380.2 Per share NA NA ROA 1.62% 1.83% ROE 22.93% 21.33% Balance Sheet 12/31/97 12/31/96 Assets $31,517.6 $23,629.8 Deposits 22,817.2 17,709.8 Loans 21,212.8 14,273.8
Golden West Financial Corp. Oakland, Calif. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $93.5 $76.0 Per share 1.62 1.30 ROA 0.95% 0.81% ROE 14.18% 13.13% Net interest margin 2.37% 2.25% Net interest income 233.1 209.9 Noninterest income 21.8 18.9 Noninterest expense 85.9 80.9 Year to Date 1997 1996 Net income $354.1 $164.7 Per share 6.13 2.80 ROA 0.91% 0.86% ROE 14.14% 13.97% Balance Sheet 12/31/97 12/31/96 Assets $39,590.3 $37,730.6 Deposits 24,109.7 22,099.9 Loans 33,260.7 30,113.4
First Maryland Bancorp Baltimore, Md. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $27.7 $36.0 Per share NA NA ROA 0.64% 1.33% ROE 5.59% 12.11% Net interest margin 3.88% 4.35% Net interest income 146.0 106.5 Noninterest income 89.2 56.8 Noninterest expense 183.9 105.4 Year to Date 1997 1996 Net income $151.2 $132.3 Per share NA NA ROA 1.07% 1.26% ROE 9.66% 11.33% Balance Sheet 12/31/97 12/31/96 Assets $17,792.0 $10,791.0 Deposits 12,464.0 7,498.0 Loans 10,084.0 6,798.0
First American Corp. Nashville, Tenn. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $38.9 $33.5 Per share 0.64 0.55 ROA 1.46% 1.35% ROE 17.11% 15.48% Net interest margin 4.15% 4.06% Net interest income 101.8 92.3 Noninterest income 70.8 59.3 Noninterest expense 103.5 97.2 Year to Date 1997 1996 Net income $145.5 $121.6 Per share 2.40 2.01 ROA 1.42% 1.25% ROE 16.48% 15.24% Balance Sheet 12/31/97 12/31/96 Assets $10,871.8 $10,399.5 Deposits 8,007.7 7,793.0 Loans 7,216.6 6,658.6
First Commerce Corp. New Orleans, La. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $32.0 $28.7 Per share 0.79 0.72 ROA 1.37% 1.29% ROE 15.91% 16.08% Net interest margin 4.46% 4.76% Net interest income 96.4 97.8 Noninterest income 50.3 45.9 Noninterest expense 88.8 85.3 Year to Date 1997 1996 Net income $125.6 $118.4 Per share 3.10 2.89 ROA 1.37% 1.39% ROE 16.57% 16.34% Balance Sheet 12/31/97 12/31/96 Assets $9,507.0 $9,190.0 Deposits 7,807.0 7,305.0 Loans 6,357.0 6,136.0
Keystone Financial Inc. Harrisburg, Pa. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $25.6 $22.8 Per share 0.49 0.44 Year to Date 1997 1996 Net income $87.9 $89.5 Per share 1.68 1.70 Balance Sheet 12/31/97 12/31/96 Assets $6,841.3 $6,450.6 Deposits 5,233.2 5,059.7 Loans 4,712.6 4,336.5
North Fork Bancorp Melville, N.Y. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $34.0 $4.1 Per share 0.51 0.06 Year to Date 1997 1996 Net income $119.3 $62.4 Per share 1.80 0.97 Balance Sheet 12/31/97 12/31/96 Assets $6,829.4 $5,750.5 Deposits 4,637.2 4,469.5 Loans 3,700.0 3,171.5
Wilmington Trust Corp. Wilmington, Del. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $27.6 $25.3 Per share 0.80 0.73 Year to Date 1997 1996 Net income $106.0 $97.3 Per share 3.08 2.79 Balance Sheet 12/31/97 12/31/96 Assets $6,122.4 $5,384.3 Deposits 3,376.5 2,970.2 Loans 3,993.9 3,741.4
Riggs National Corp. Washington D.C. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $17.0 $11.2 Per share 0.45 0.27 Year to Date 1997 1996 Net income $50.9 $65.9 Per share 1.27 1.79 Balance Sheet 12/31/97 12/31/96 Assets $5,846.4 $5,135.1 Deposits 4,297.9 4,050.7 Loans 2,884.4 2,637.8
Old National Bancorp Evansville, Ind. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $11.7 $15.5 Per share 0.41 0.53 Year to Date 1997 1996 Net income $60.7 $60.2 Per share 2.12 2.04 Balance Sheet 12/31/97 12/31/96 Assets $5,686.0 $5,367.0 Deposits 4,299.0 4,268.0 Loans 3,756.0 3,479.0
Bank of the West San Francisco Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $16.5 $13.7 Per share NA NA Year to Date 1997 1996 Net income $63.1 $44.0 Per share NA NA Balance Sheet 12/31/97 12/31/96 Assets $5,643.0 $5,071.0 Deposits 4,573.0 4,182.0 Loans 4,344.0 3,772.0
FirstMerit Corp. Akron, Ohio Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $22.8 $19.0 Per share 0.37 0.30 Year to Date 1997 1996 Net income $86.4 $70.9 Per share 1.36 1.08 Balance Sheet 12/31/97 12/31/96 Assets $5,307.5 $5,228.0 Deposits 4,255.2 4,204.9 Loans 3,781.1 3,606.7
City National Corp. Los Angeles Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $21.7 $16.9 Per share 0.45 0.37 Year to Date 1997 1996 Net income $80.1 $66.6 Per share 1.68 1.47 Balance Sheet 12/31/97 12/31/96 Assets $5,252.0 $4,216.5 Deposits 4,228.3 3,386.5 Loans 3,687.5 2,709.3
Cullen/Frost Bankers Inc. San Antonio, Tex. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $16.6 $14.4 Per share 0.72 0.63 Year to Date 1997 1996 Net income $63.5 $55.0 Per share 2.75 2.40 Balance Sheet 12/31/97 12/31/96 Assets $5,231.0 $4,888.0 Deposits 4,484.0 4,243.0 Loans 2,644.0 2,253.0
Valley National Bancorp Wayne, N.J. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $21.8 $17.9 Per share 0.51 0.42 Year to Date 1997 1996 Net income $85.0 $70.8 Per share 2.00 1.66 Balance Sheet 12/31/97 12/31/96 Assets $5,090.7 $5,115.5 Deposits 4,403.0 4,567.1 Loans 3,622.3 3,471.2
Imperial Bancorp Inglewood, Calif. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $21.4 $10.0 Per share 0.52 0.25 Year to Date 1997 1996 Net income $55.2 $54.1 Per share 1.36 1.38 Balance Sheet 12/31/97 12/31/96 Assets $4,724.7 $3,350.2 Deposits 4,174.6 2,950.3 Loans 2,788.6 2,063.0
National Commerce Bancorp. Memphis, Tenn. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $20.5 $15.7 Per share 0.40 0.31 Year to Date 1997 1996 Net income $69.8 $57.5 Per share 1.38 1.15 Balance Sheet 12/31/97 12/31/96 Assets $4,692.0 $4,200.4 Deposits 3,251.2 2,976.4 Loans 2,609.0 2,348.0
Whitney Holding Corp. New Orleans, La. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $13.6 $11.8 Per share 0.65 0.57 Year to Date 1997 1996 Net income $52.2 $44.5 Per share 2.50 2.17 Balance Sheet 12/31/97 12/31/96 Assets $4,313.0 $4,218.0 Deposits 3,510.7 3,262.3 Loans 2,647.6 2,277.6
BancorpSouth Inc. Tupelo, Miss. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $9.9 $11.7 Per share 0.44 0.55 Year to Date 1997 1996 Net income $45.4 $42.9 Per share 2.03 2.03 Balance Sheet 12/31/97 12/31/96 Assets $4,180.1 $3,617.2 Deposits 3,540.3 3,161.4 Loans 2,719.2 2,432.1
Westamerica Bancorp. San Rafael, Calif. Dollar amounts in millions (except per share) Fourth Quarter 4Q97 4Q96 Net income $18.3 $12.5 Per share 1.20 0.80 Year to Date 1997 1996 Net income $48.1 $46.8 Per share 3.29 3.24 Balance Sheet 12/31/97 12/31/96 Assets $3,848.4 $3,866.8 Deposits 3,078.5 3,228.7 Loans 2,211.3 2,236.3 === copyright c 1998 American Banker, Inc. All Rights Reserved. http://www.americanbanker.com
