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Zions Bancorp.
Salt Lake City, Utah
Dollar amounts in millions (except per share)
Net income $52.8 $33.0
Per share 0.66 0.44
ROA 1.16% 1.12%
ROE 19.49% 15.90%
Net interest margin 4.38% 4.60%
Net interest income 177.9 124.4
Noninterest income 60.7 47.8
Noninterest expense 151.2 117.4
Year to Date 1999 1998
Net income $101.7 $72.0
Per share 1.27 0.96
ROA 1.15% 1.24%
ROE 19.27% 18.20%
Balance Sheet 6/30/99 6/30/98
Assets $17,605.7 $12,120.4
Deposits 13,070.7 8,551.9
Loans 11,046.7 6,279.4
UMB Financial Corp.
Kansas City, Mo.
Dollar amounts in millions (except per share)
Net income $16.3 $14.4
Per share 0.82 0.71
ROA 0.89% 0.84%
ROE 9.94% 8.98%
Net interest margin 3.82% 4.06%
Net interest income 59.7 58.1
Noninterest income 44.5 39.6
Noninterest expense 75.5 71.2
Year to Date 1999 1998
Net income $32.7 $29.5
Per share 1.63 1.44
ROA 0.89% 0.85%
ROE 9.97% 9.29%
Balance Sheet 6/30/99 6/30/98
Assets $7,036.5 $7,304.0
Deposits 5,162.4 5,594.9
Loans 2,593.5 2,669.2
S&T Bancorp Inc.
Indiana, Pa.
Dollar amounts in millions (except per share)
Net income $10.1 $9.4
Per share 0.37 0.34
ROA 1.94% 1.91%
ROE 16.25% 14.85%
Net interest margin 4.61% 4.59%
Net interest income 22.4 21.1
Noninterest income 4.1 3.2
Noninterest expense 10.5 11.0
Year to Date 1999 1998
Net income $20.3 $18.7
Per share 0.74 0.66
ROA 1.98% 1.92%
ROE 16.10% 14.64%
Balance Sheet 6/30/99 6/30/98
Assets $2,131.9 $1,973.5
Deposits 1,392.7 1,314.1
Loans 1,386.3 1,280.4
Pacific Century Financial Corp.
Honolulu
Dollar amounts in millions (except per share)
Net income $38.5 $3.1
Per share 0.47 0.04
ROA 1.05% 0.08%
ROE 12.72% 1.08%
Net interest margin 4.28% 4.21%
Net interest income 144.6 147.0
Noninterest income 63.6 49.8
Noninterest expense 132.1 151.8
Year to Date 1999 1998
Net income $73.9 $37.1
Per share 0.92 0.47
ROA 1.01% 0.50%
ROE 12.36% 6.53%
Balance Sheet 6/30/99 6/30/98
Assets $14,551.4 $14,731.1
Deposits 9,286.2 9,506.1
Loans 9,181.7 9,053.1
MBNA Corp.
Wilmington, Del.
Dollar amounts in millions (except per share)
Net income $227.2 $172.0
Per share 0.27 0.21
ROA 3.28% 3.16%
ROE 24.68% 34.25%
Net interest margin 5.29% 4.20%
Net interest income 267.5 167.4
Noninterest income 1,028.5 765.2
Noninterest expense 798.8 575.7
Year to Date 1999 1998
Net income $413.2 $321.4
Per share 0.49 0.40
ROA 3.05% 2.99%
ROE 23.24% 32.76%
Balance Sheet 6/30/99 6/30/98
Assets $27,995.8 $22,902.1
Deposits 16,377.5 13,322.1
Loans 9,605.0 9,127.4
HSBC USA Inc.
Buffalo, N.Y.
Dollar amounts in millions (except per share)
Net income $113.5 $126.2
Per share NA NA
ROA 1.33% 1.53%
ROE 20.56% 24.16%
Net interest margin 3.61% 3.58%
Net interest income 307.5 294.5
Noninterest income 108.9 114.7
Noninterest expense 203.8 194.6
Year to Date 1999 1998
Net income $234.9 $249.4
Per share NA NA
ROA 1.40% 1.57%
ROE 21.64% 24.01%
Balance Sheet 6/30/99 6/30/98
Assets $34,283.6 $34,277.8
Deposits 26,900.8 25,955.9
Loans 22,752.7 20,549.1
