+++
Astoria Financial Corp.
Lake Success, N.Y.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $25.4 $16.9
Per share 0.92 0.83
ROA 0.84% 0.87%
ROE 10.70% 11.18%
Net interest margin 2.49% 2.69%
Net interest income 72.3 50.1
Noninterest income 9.4 6.7
Noninterest expense 37.1 26.4
Year to Date 1998 1997
Net income $71.3 $47.5
Per share 2.56 2.31
ROA 0.83% 0.83%
ROE 10.24% 10.67%
Balance Sheet 9/30/98 9/30/97
Assets $12,713.0 $7,904.4
Deposits 6,093.4 4,559.7
Loans 5,008.4 3,351.0
BOK Financial Corp.
Tulsa, Okla.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $18.8 $16.4
Per share 0.75 0.65
Year to Date 1998 1997
Net income $55.5 $47.8
Per share 2.21 1.91
Balance Sheet 9/30/98 9/30/97
Assets $5,935.0 $5,378.2
Deposits 3,788.3 3,592.1
Loans 3,006.4 2,717.6
First American Corp.
Nashville, Tenn.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $54.9 $60.5
Per share 0.68 0.56
ROA 1.19% 1.41%
ROE 13.91% 16.08%
Net interest margin 4.12% 4.34%
Net interest income 173.9 168.5
Noninterest income 125.5 100.1
Noninterest expense 204.4 168.3
Year to Date 1998 1997
Net income $136.0 $174.4
Per share 1.26 1.60
ROA 1.01% 1.38%
ROE 11.73% 15.72%
Balance Sheet 9/30/98 9/30/97
Assets $18,863.6 $17,427.9
Deposits 13,206.0 13,026.0
Loans 10,512.6 11,498.3
Cullen/Frost Bankers Inc.
San Antonio, Tex.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $22.0 $18.9
Per share 0.80 0.69
Year to Date 1998 1997
Net income $52.9 $54.0
Per share 2.28 1.97
Balance Sheet 9/30/98 9/30/97
Assets $6,409.0 $5,920.0
Deposits 5,466.0 5,116.0
Loans 3,536.0 3,009.0
Associated Banc Corp.
Green Bay, Wis.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $00.0 $00.0
Per share 0.60 0.58
ROA 1.44% 1.40%
ROE 17.72% 17.33%
Net interest margin 3.76% 3.85%
Net interest income 95.1 96.2
Noninterest income 39.3 34.2
Noninterest expense 72.1 68.3
Year to Date 1998 1997
Net income $119.3 $106.2
Per share 1.86 1.66
ROA 1.51% 1.38%
ROE 18.76% 17.09%
Balance Sheet 9/30/98 9/30/97
Assets $10,575.7 $10,707.1
Deposits 8,499.7 8,317.5
Loans 7,088.1 7,011.6
HSBC Americas Inc.
Buffalo, N.Y.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $119.1 $120.0
Per share NA NA
ROA 1.41% 1.58%
ROE 22.47% 22.21%
Net interest margin 3.41% 3.93%
Net interest income 287.8 298.6
Noninterest income 102.1 93.1
Noninterest expense 192.7 202.0
Year to Date 1998 1997
Net income $368.4 $350.6
Per share NA NA
ROA 1.51% 1.65%
ROE 23.49% 22.92%
Balance Sheet 9/30/98 9/30/97
Assets $33,342.1 $31,406.2
Deposits 25,658.3 22,190.8
Loans 20,660.7 21,142.1
One Valley Bancorp
Charleston, W.Va.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $19.0 $16.7
Per share 0.55 0.51
Year to Date 1998 1997
Net income $53.5 $49.8
Per share 1.60 1.52
Balance Sheet 9/30/98 9/30/97
Assets $5,856.4 $5,073.8
Deposits 4,433.6 3,880.4
Loans 3,850.6 3,182.4
Provident Financial Group
Cincinnati, Ohio
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $32.5 $29.5
Per share 0.72 0.67
ROA 1.60% 1.67%
ROE 17.96% 20.64%
Net interest margin 3.88% 3.89%
Net interest income 73.7 65.5
Noninterest income 56.7 48.2
Noninterest expense 71.0 58.8
Year to Date 1998 1997
Net income $94.9 $85.0
Per share 2.11 1.95
ROA 1.63% 1.65%
ROE 18.39% 20.61%
Balance Sheet 9/30/98 9/30/97
Assets $8,206.0 $7,080.0
Deposits 5,102.0 4,984.0
Loans 5,680.0 5,106.0
Riggs National Corp.
Washington D.C.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $17.3 $12.8
Per share 0.46 0.32
Year to Date 1998 1997
Net income $47.5 $33.9
Per share 1.24 0.82
Balance Sheet 9/30/98 9/30/97
Assets $5,734.7 $5,369.6
Deposits 4,163.1 3,985.4
Loans 3,354.8 2,688.4
Silicon Valley Bancshares
Santa Clara, Calif.
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $8.6 $7.3
Per share 0.41 0.35
Year to Date 1998 1997
Net income $24.3 $20.2
Per share 1.16 1.00
Balance Sheet 9/30/98 9/30/97
Assets $3,216.2 $2,405.8
Deposits 2,943.9 2,228.2
Loans 1,402.3 998.7
UST Corp.
Boston
Dollar amounts in millions (except per share)
Third Quarter 3Q98 3Q97
Net income $1.7 $15.3
Per share 0.04 0.36
Year to Date 1998 1997
Net income $37.9 $33.5
Per share 0.88 0.79
Balance Sheet 9/30/98 9/30/97
Assets $5,667.0 $5,424.9
Deposits 4,135.2 4,027.2
Loans 4,116.6 3,760.2
Washington Federal Inc.
Seattle, Wash.
Dollar amounts in millions (except per share)
Fourth Quarter 4Q98 4Q97
Net income $28.3 $27.5
Per share 0.54 0.52
Year to Date 1998 1997
Net income $111.8 $105.1
Per share 2.12 2.01
Balance Sheet 9/30/98 9/30/97
Assets $5,637.0 $5,719.6
Deposits 3,071.2 2,905.4
Loans 4,143.5 4,190.8
