Earning Highlights

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Union Planters Corp.

Memphis, Tenn.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $105.8 $79.4

Per share 0.73 0.56

ROA 1.29% 1.04%

ROE 14.19% 10.97%

Net interest margin 4.35% 4.47%

Net interest income 321.2 315.5

Noninterest income 140.7 119.4

Noninterest expense 275.0 257.1

Year to Date 1999 1998

Net income $203.1 $183.9

Per share 1.40 1.30

ROA 1.25% 1.22%

ROE 13.80% 12.89%

Balance Sheet 6/30/99 6/30/98

Assets $32,260.2 $31,042.2

Deposits 24,807.6 23,260.2

Loans 20,231.1 20,200.7

First Security Corp.

Salt Lake City, Utah

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $69.0 $56.0

Per share 0.35 0.29

ROA 1.26% 1.18%

ROE 16.52% 14.75%

Net interest margin 3.93% 4.15%

Net interest income 190.0 176.0

Noninterest income 145.0 119.0

Noninterest expense 217.0 184.0

Year to Date 1999 1998

Net income $134.0 $117.0

Per share 0.69 0.60

ROA 1.24% 1.28%

ROE 16.58% 16.13%

Balance Sheet 6/30/99 6/30/98

Assets $22,135.0 $19,360.0

Deposits 12,983.0 11,917.0

Loans 13,135.0 12,364.0

First American Corp.

Nashville, Tenn.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $57.3 $21.7

Per share 0.49 0.19

ROA 1.11% 0.46%

ROE 12.47% 5.26%

Net interest margin 4.12% 4.38%

Net interest income 192.5 187.3

Noninterest income 125.9 124.4

Noninterest expense 212.5 261.6

Year to Date 1999 1998

Net income $123.8 $86.0

Per share 1.06 0.76

ROA 1.22% 0.93%

ROE 13.79% 10.59%

Balance Sheet 6/30/99 6/30/98

Assets $21,529.2 $20,064.2

Deposits 14,486.5 14,445.8

Loans 12,265.0 11,587.3

Dime Bancorp Inc.

New York

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $61.0 $58.0

Per share 0.54 0.50

ROA 1.15% 1.09%

ROE 16.73% 17.70%

Net interest margin 2.94% 2.66%

Net interest income 140.0 131.0

Noninterest income 153.0 128.0

Noninterest expense 188.0 165.0

Year to Date 1999 1998

Net income $116.0 $116.0

Per share 1.03 0.99

ROA 1.08% 1.07%

ROE 16.21% 17.66%

Balance Sheet 6/30/99 6/30/98

Assets $21,430.0 $20,914.0

Deposits 13,415.0 14,033.0

Loans 12,590.0 12,600.0 ===

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