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part 1 of 3
Total Tier 1 Capital
Rank Assets
1997 12/31/97 12/31/97
ALABAMA
28 SouthTrust Corp., Birmingham $30,906.40 $1,963.10
37 Regions Financial Corp., Birmingham 23,034.20 1,689.10
45 AmSouth Bancorp., Birmingham 18,622.30 NA
CALIFORNIA
5 BankAmerica Corp., San Francisco 260,159.00 17,291.00
10 Wells Fargo & Co., San Francisco 97,456.00 6,118.90
29 Unionbancal Corp., San Francisco 30,585.30 2,587.10
DELAWARE
40 MBNA Corp., Wilmington 21,305.50 2,283.80
FLORIDA
23 Barnett Banks Inc., Jacksonville (5) 46,438.00 NA
GEORGIA
19 SunTrust Banks Inc., Atlanta 57,982.70 3,458.10
HAWAII
49 Pacific Century Financial Corp., Honolul 14,995.50 1,036.60
ILLINOIS
9 First Chicago NBD Corp. 114,096.00 8,541.00
34 Northern Trust Corp., Chicago 25,315.40 1,762.10
36 LaSalle National Corp., Chicago (f) 24,876.00 NA
38 Harris Bankcorp, Chicago (f) 22,224.00 1,967.10
MASSACHUSETTS
12 Fleet Financial Group Inc., Boston 85,535.00 6,185.00
16 BankBoston Corp. 69,268.00 4,971.00
25 State Street Corp., Boston 37,975.00 2,259.10
MICHIGAN
26 Comerica Inc., Detroit 36,292.00 2,513.80
41 First of America Bank Corp., Kalamazoo 21,079.70 1,831.40
MINNESOTA
11 Norwest Corp., Minneapolis 88,540.20 5,525.00
15 U.S. Bancorp Inc., Minneapolis (3) 71,295.00 5,028.00
MISSOURI
31 Mercantile Bancorp. Inc., St. Louis 29,955.40 NA
NEW JERSEY
30 Summit Bancorp, Princeton 29,964.20 2,556.90
NEW YORK
1 Chase Manhattan Corp., New York 365,521.00 NA
2 Citicorp, New York 310,897.00 21,096.00
4 J.P. Morgan & Co., New York 262,159.00 11,854.00
7 Bankers Trust New York Corp. 140,102.00 6,431.00
18 Bank of New York Co. 59,953.00 4,509.30
20 Republic New York Corp. 55,638.40 4,118.30
27 HSBC Americas Inc., Buffalo (f) 31,517.60 2,039.20
50 First Empire State Corp., Buffalo 14,002.90 1,250.30
NORTH CAROLINA
3 NationsBank Corp., Charlotte (1) 264,562.00 13,593.00
6 First Union Corp., Charlotte (2) 157,274.00 10,216.00
17 Wachovia Corp., Winston-Salem (4) 65,397.10 5,465.10
32 BB&T Corp., Winston-Salem (6) 29,177.60 1,979.50
OHIO
8 Banc One Corp., Columbus 115,901.30 8,700.50
14 KeyCorp, Cleveland 73,699.00 4,504.00
21 National City Corp., Cleveland 54,683.50 3,609.80
33 Huntington Bancshares Inc., Columbus (7) 26,730.50 1,954.00
39 Fifth Third Bancorp, Cincinnati 21,375.00 2,081.00
PENNSYLVANIA
13 PNC Bank Corp., Pittsburgh 75,120.00 5,108.00
22 CoreStates Financial Corp., Philadelphia 48,461.00 3,757.00
24 Mellon Bank Corp., Pittsburgh 44,892.00 3,449.00
PUERTO RICO
44 Popular Inc., San Juan 19,300.10 1,335.40
RHODE ISLAND
48 Citizens Financial Group Inc., Providenc 16,790.80 1,070.50
TENNESSEE
46 Union Planters Corp., Memphis (8) 18,105.10 1,876.40
UTAH
47 First Security Corp., Salt Lake City 17,307.40 1,284.50
VIRGINIA
35 Crestar Financial Corp., Richmond 24,900.00 2,068.30
WISCONSIN
42 Firstar Corp., Milwaukee 19,843.70 1,634.90
43 Marshall & Ilsley Corp., Milwaukee 19,477.50 1,735.50
part 2 of 3
Total Risk Based CapitTier 1 Cap. Ratio
Rank
1997 12/31/96 12/31/97 12/31/96 12/31/9712/31/96
ALABAMA
28 SouthTru$1,550.00 $3,068.60 $2,495.00 7.72 7.33
37 Regions 1,416.00 2,083.40 1,780.00 10.48 10.81
45 AmSouth 1,103.00 NA 1,618.00 7.82 7.87
CALIFORNIA
5 BankAmer 17,044.00 26,556.00 25,880.00 7.53 7.77
10 Wells Fa 6,565.00 9,241.50 10,000.00 7.61 7.68
29 Unionban 2,396.00 3,188.20 2,948.00 8.96 9.08
DELAWARE
40 MBNA Cor 1,815.00 2,788.00 2,202.00 9.82 10.89
FLORIDA
23 Barnett 3,288.00 NA 4,249.00 NA 10.97
GEORGIA
19 SunTrust 3,034.00 5,973.80 4,422.00 7.22 7.46
HAWAII
49 Pacific 1,104.00 1,292.60 1,357.00 9.34 10.57
ILLINOIS
9 First Ch 9,186.00 12,659.00 13,332.00 7.9 9.2
34 Northern 1,341.00 2,344.70 1,944.00 9.61 8.19
36 LaSalle 1,069.00 NA 1,990.00 NA 6.56
38 Harris B 1,345.00 1,969.60 1,879.00 8.07 8.25
MASSACHUSETTS
12 Fleet Fi 6,027.00 9,227.00 8,933.00 7.3 7.64
16 BankBost 4,954.00 7,519.00 7,291.00 8 9.2
25 State St 1,818.00 2,273.50 1,847.00 13.7 13.4
MICHIGAN
26 Comerica 2,366.00 3,961.20 3,618.00 7.07 7.18
41 First of 1,561.00 2,383.00 2,110.00 11.33 9.76
MINNESOTA
11 Norwest 4,716.00 6,692.00 5,692.00 9.09 8.63
15 U.S. Ban 2,355.00 5,890.00 3,943.00 7.4 7.2
MISSOURI
31 Mercanti 1,438.00 NA 1,828.00 8.84 10.91
NEW JERSEY
30 Summit B 1,780.00 2,999.90 2,205.00 12.64 11.09
NEW YORK
1 Chase Ma 20,315.00 NA 29,365.00 7.9 8.15
2 Citicorp 19,800.00 31,156.00 28,900.00 8.34 8.4
4 J.P. Mor 11,449.00 17,860.00 16,297.00 8 8.8
7 Bankers 5,326.00 10,969.00 8,330.00 8.3 8.7
18 Bank of 4,642.00 6,811.90 7,132.00 7.89 8.39
20 Republic 3,757.00 6,850.60 6,339.00 12.97 13.8
27 HSBC Ame 2,005.00 2,915.40 2,860.00 9.36 11.92
50 First Em 889 1,558.10 1,198.00 10.69 8.4
NORTH CAROLINA
3 NationsB 12,384.00 22,787.00 20,208.00 6.5 7.76
6 First Un 7,633.00 16,277.00 12,843.00 8.44 7.33
17 Wachovia 3,987.00 7,203.30 5,534.00 9.18 9.34
32 BB&T Cor 1,666.00 2,724.30 2,093.00 9.9 11.7
OHIO
8 Banc One 8,079.00 13,409.30 11,731.00 8.5 9.25
14 KeyCorp, 4,442.00 7,333.00 7,243.00 6.65 7.94
21 National 3,977.00 5,622.50 5,981.00 8.12 9.84
33 Huntingt 1,351.00 2,025.40 1,948.00 8.83 7.84
39 Fifth Th 1,840.00 2,529.00 2,275.00 12.09 11.37
PENNSYLVANIA
13 PNC Bank 5,283.00 7,635.00 7,427.00 7.43 8.29
22 CoreStat 3,725.00 5,306.00 5,216.00 8.48 9.45
24 Mellon B 3,448.00 5,650.00 5,589.00 7.7 8.4
PUERTO RICO
44 Popular 1,119.00 1,598.50 1,365.00 12.17 11.59
RHODE ISLAND
48 Citizens 844 1,195.10 959 10.82 9.31
TENNESSEE
46 Union Pl 1,480.00 2,192.20 1,600.00 15.51 15.29
UTAH
47 First Se 1,191.00 1,633.60 1,523.00 10.58 11.34
VIRGINIA
35 Crestar 857 2,570.40 1,168.00 10.2 10.78
WISCONSIN
42 Firstar 1,637.00 1,875.40 1,888.00 10.21 11.67
43 Marshall 1,362.00 2,013.90 1,596.00 12.19 12.71
part 3 of 3
Total Cap. Ratio Leverage
Rank Cap. Ratio
1997 12/31/9712/31/9612/31/9712/31/96
ALABAMA
28 SouthTru 12.07 11.79 6.61 6.21
37 Regions 12.93 13.59 7.52 7.44
45 AmSouth 11.47 11.54 NA 6.2
CALIFORNIA
5 BankAmer 11.56 11.79 6.81 7.44
10 Wells Fa 11.49 11.7 6.95 6.65
29 Unionban 11.05 11.17 8.53 8.41
DELAWARE
40 MBNA Cor 11.99 13.22 11.13 11.21
FLORIDA
23 Barnett NA 14.17 NA 8.21
GEORGIA
19 SunTrust 12.48 10.87 6.49 6.4
HAWAII
49 Pacific 11.65 12.96 7.21 7.98
ILLINOIS
9 First Ch 11.7 13.3 7.8 9.3
34 Northern 12.78 11.87 6.87 6.42
36 LaSalle NA 12.21 NA 5.98
38 Harris B 10.83 11.53 6.75 6.81
MASSACHUSETTS
12 Fleet Fi 10.89 11.32 7.74 7.16
16 BankBost 12.1 13.6 7.4 8.2
25 State St 13.8 13.6 5.9 5.9
MICHIGAN
26 Comerica 11.14 10.99 7.09 7.07
41 First of 14.74 13.19 8.74 7.15
MINNESOTA
11 Norwest 11.01 10.42 6.63 6.15
15 U.S. Ban 11.6 12 7.3 6.8
MISSOURI
31 Mercanti 12.05 13.87 6.15 7.82
NEW JERSEY
30 Summit B 14.82 13.75 8.76 8.06
NEW YORK
1 Chase Ma 11.7 11.78 6 6.79
2 Citicorp 12.31 12.2 7.01 7.42
4 J.P. Mor 11.9 12.2 4.4 5.9
7 Bankers 14.2 13.7 4.4 5.5
18 Bank of 11.92 12.89 7.61 8.87
20 Republic 21.58 23.28 5.6 5.87
27 HSBC Ame 13.38 17 6.68 9.54
50 First Em 13.32 11.32 9.09 6.99
NORTH CAROLINA
3 NationsB 10.89 12.66 5.57 7.09
6 First Un 13.45 12.33 6.81 6.13
17 Wachovia 12.1 12.97 9.24 8.73
32 BB&T Cor 13.7 14.7 7.2 8
OHIO
8 Banc One 13.11 13.43 7.91 8.24
14 KeyCorp, 10.83 12.94 6.4 6.95
21 National 12.65 14.79 7.01 8.16
33 Huntingt 11.68 11.31 7.77 6.66
39 Fifth Th 14.7 14.06 10.16 9.22
PENNSYLVANIA
13 PNC Bank 11.11 11.65 7.3 7.7
22 CoreStat 11.98 13.23 7.97 8.46
24 Mellon B 12.7 13.6 8 8.3
PUERTO RICO
44 Popular 14.56 14.15 6.86 6.7
RHODE ISLAND
48 Citizens 12.07 10.57 7.02 5.79
TENNESSEE
46 Union Pl 18.12 16.52 10.48 9.61
UTAH
47 First Se 13.46 14.5 7.51 8.16
VIRGINIA
35 Crestar 12.6 14.7 9.2 7.43
WISCONSIN
42 Firstar 11.71 13.47 8.5 8.62
43 Marshall 14.14 14.9 9.25 9.61