+++
UnionBanCal Corp.
San Francisco
Dollar amounts in millions (except per share)
Net income $114.7 $108.5
Per share 0.70 0.62
ROA 1.44% 1.46%
ROE 16.02% 15.57%
Net interest margin 4.84% 4.88%
Net interest income 348.0 326.7
Noninterest income 144.8 148.0
Noninterest expense 307.6 277.3
Year to Date 1999 1998
Net income $233.2 $204.1
Per share 1.38 1.16
ROA 1.48% 1.38%
ROE 16.03% 14.94%
Balance Sheet 6/30/99 6/30/98
Assets $32,386.2 $30,922.6
Deposits 24,133.2 23,412.5
Loans 24,586.7 22,958.3
Trustmark Corp.
Jackson, Miss.
Dollar amounts in millions (except per share)
Net income $25.0 $21.0
Per share 0.34 0.28
ROA 1.53% 1.42%
ROE 15.08% 13.39%
Net interest margin 4.21% 4.42%
Net interest income 63.0 58.0
Noninterest income 27.0 22.0
Noninterest expense 47.0 44.0
Year to Date 1999 1998
Net income $49.0 $40.0
Per share 0.68 0.55
ROA 1.52% 1.42%
ROE 15.22% 13.39%
Balance Sheet 6/30/99 6/30/98
Assets $6,564.0 $5,857.0
Deposits 3,845.0 3,965.0
Loans 3,820.0 3,308.0
Northern Trust Corp.
Chicago
Dollar amounts in millions (except per share)
Net income $99.7 $87.2
Per share 0.86 0.75
ROA 1.37% 1.32%
ROCE 20.65% 20.48%
Net interest margin 2.07% 2.14%
Net interest income 135.8 128.2
Noninterest income 302.3 265.7
Noninterest expense 271.7 247.7
Year to Date 1999 1998
Net income $194.8 $172.1
Per share 1.67 1.48
ROA 1.34% 1.32%
ROCE 20.63% 20.60%
Balance Sheet 6/30/99 6/30/98
Assets $30,190.8 $29,777.0
Deposits 18,280.3 17,124.3
Loans 14,854.1 13,471.0
Golden State Bancorp Inc.
San Francisco
Dollar amounts in millions (except per share)
Net income $83.6 $287.5
Per share 0.59 5.07
ROA 0.59% 3.45%
ROE 20.94% 208.89%
Net interest margin 2.25% 2.01%
Net interest income 297.0 152.6
Noninterest income 107.4 87.4
Noninterest expense 224.2 157.5
Year to Date 1999 1998
Net income $154.5 $335.2
Per share 1.09 5.91
ROA 0.55% 2.08%
ROE 19.23% 136.75%
Balance Sheet 6/30/99 6/30/98
Assets $56,835.3 $34,050.0
Deposits 23,920.7 16,044.3
Loans 31,580.6 18,626.4
* '98 earnings incl. $250 million deferred tax valuation adjustment
Bank United Corp.
Houston
Dollar amounts in millions (except per share)
Net income $24.8 $23.9
Per share 0.77 0.74
ROA 0.79% 0.88%
ROCE 13.64% 14.49%
Net interest margin 2.43% 2.24%
Net interest income 88.1 75.2
Noninterest income 27.3 22.7
Noninterest expense 62.8 50.5
Year to Date 1999 1998
Net income $77.3 $90.6
Per share 2.40 2.80
ROA 0.83% 1.11%
ROCE 14.48% 19.18%
Balance Sheet 6/30/99 6/30/98
Assets $15,426.8 $13,095.9
Deposits 7,213.3 6,772.5
Loans 12,386.8 9,711.8
Associated Banc-Corp.
Green Bay, Wis.
Dollar amounts in millions (except per share)
Net income $39.9 $41.0
Per share 0.62 0.64
ROA 1.40% 1.56%
ROE 17.64% 19.36%
Net interest margin 3.74% 3.78%
Net interest income 97.6 93.8
Noninterest income 41.3 44.9
Noninterest expense 76.9 72.9
Year to Date 1999 1998
Net income $78.8 $80.9
Per share 1.23 1.26
ROA 1.41% 1.54%
ROE 17.54% 19.43%
Balance Sheet 6/30/99 6/30/98
Assets $11,622.8 $10,561.3
Deposits 8,489.7 8,467.1
Loans 7,530.8 7,118.8
