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Synovus Financial Corp. Columbus, Ga. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $54.2 $47.0
Per share 0.20 0.18 ROA 2.14% 2.06% ROE 20.43% 21.20% Net interest margin 5.16% 5.28% Net interest income 116.8 108.0 Noninterest income 159.2 131.8 Noninterest expense 183.7 155.8 Year to Date 1998 1997 Net income $187.1 $165.2 Per share 0.70 0.62 ROA 1.96% 1.87% ROE 19.18% 19.80% Balance Sheet 12/31/98 12/31/97 Assets $10,498.0 $9,260.3 Deposits 8,542.8 7,707.9 Loans 7,301.2 6,467.3
Popular Inc. San Juan, Puerto Rico Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $62.5 $55.3 Per share 0.44 0.38 ROA 1.13% 1.11% ROE 15.84% 15.56% Net interest margin 4.44% 4.48% Net interest income 231.0 210.0 Noninterest income 76.0 71.0 Noninterest expense 194.0 175.0 Year to Date 1998 1997 Net income $232.3 $209.6 Per share 1.65 1.50 ROA 1.14% 1.14% ROE 15.41% 15.83% Balance Sheet 12/31/98 12/31/97 Assets $23,204.8 $19,300.5 Deposits 13,715.6 11,749.6 Loans 13,715.6 11,749.6
Old Kent Financial Corp. Grand Rapids, Mich. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $38.0 $47.0 Per share 0.36 0.42 ROA 0.94% 1.21% ROE 13.25% 15.40% Net interest margin 4.15% 4.12% Net interest income 153.0 149.0 Noninterest income 91.0 71.0 Noninterest expense 171.0 132.0 Year to Date 1998 1997 Net income $199.0 $198.0 Per share 1.84 1.75 ROA 1.26% 1.30% ROE 17.08% 16.30% Balance Sheet 12/31/98 12/31/97 Assets $16,589.0 $15,707.0 Deposits 12,940.0 11,929.0 Loans 8,716.0 8,984.0
Northern Trust Corp. Chicago Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $91.6 $81.3 Per share 0.79 0.70 ROA 1.27% 1.25% ROE 20.16% 20.04% Net interest margin 2.08% 2.07% Net interest income 135.2 121.5 Noninterest income 284.6 247.3 Noninterest expense 269.4 233.6 Year to Date 1998 1997 Net income $353.9 $309.4 Per share 3.04 2.66 ROA 1.30% 1.29% ROE 20.47% 20.17% Balance Sheet 12/31/98 12/31/97 Assets $27,870.0 $25,315.4 Deposits 18,202.7 16,360.0 Loans 13,500.1 12,440.6
North Fork Bancorp Melville, N.Y. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $57.0 $47.9 Per share 0.40 0.34 ROA 2.18% 1.92% ROE 26.22% 26.95% Net interest margin 4.45% 4.27% Net interest income 110.8 102.2 Noninterest income 20.4 18.0 Noninterest expense 41.2 44.2 Year to Date 1998 1997 Net income $168.0 $170.5 Per share 1.18 1.22 ROA 1.66% 1.78% ROE 20.50% 25.63% Balance Sheet 12/31/98 12/31/97 Assets $10,679.6 $10,073.6 Deposits 6,427.6 6,337.9 Loans 5,642.5 5,664.7
M&T Bank Corp. Buffalo, N.Y. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $57.8 $46.3 Per share 7.14 6.66 ROA 1.14% 1.33% ROE 14.20% 18.25% Net interest margin 3.77% 4.34% Net interest income 174.9 143.9 Noninterest income 67.2 53.0 Noninterest expense 138.8 110.7 Year to Date 1998 1997 Net income $208.0 $176.2 Per share 26.16 25.26 ROA 1.14% 1.32% ROE 13.86% 18.49% Balance Sheet 12/31/98 12/31/97 Assets $20,583.9 $14,002.9 Deposits 14,737.2 11,163.2 Loans 15,485.2 11,221.9
Mercantile Bankshares Corp. Baltimore, Md. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $37.8 $32.7 Per share 0.53 0.45 Year to Date 1998 1997 Net income $147.1 $132.0 Per share 2.04 1.84 Balance Sheet 12/31/98 12/31/97 Assets $7,609.6 $7,170.7 Deposits 5,958.3 5,693.9 Loans 5,108.5 4,872.4
Marshall & Ilsley Corp. Milwaukee, Wis. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $83.5 $75.2 Per share 0.72 0.65 ROA 1.55% 1.48% ROE 14.96% 14.96% Net interest margin 3.68% 3.85% Net interest income 181.2 180.2 Noninterest income 208.8 173.4 Noninterest expense 242.1 227.4 Year to Date 1998 1997 Net income $301.3 $256.7
Per share 2.61 2.43 ROA 1.45% 1.51% ROE 14.13% 16.49% Balance Sheet 12/31/98 12/31/97 Assets $21,566.3 $20,502.2 Deposits 15,919.9 15,020.3 Loans 13,770.1 12,893.3
Hubco Inc. Mahwah, N.J. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $23.8 $14.9 Per share 0.58 0.35 Year to Date 1998 1997 Net income $23.2 $69.8 Per share 0.56 1.60 Balance Sheet 12/31/98 12/31/97 Assets $6,778.7 $6,606.1 Deposits 5,051.4 5,253.0 Loans 3,386.8 3,600.1
FirstMerit Corp. Akron, Ohio Dollar amounts in millions (except per share)
Fourth Quarter 4Q98 4Q97 Net income $18.0 $25.3 Per share 0.23 0.36 Year to Date 1998 1997 Net income $00.0 $00.0 Per share 0.00 0.00 Balance Sheet 12/31/98 12/31/97 Assets $7,127.1 $5,992.9 Deposits 5,461.6 4,763.4 Loans 4,997.4 4,467.5
Fifth Third Bancorp
Cincinnati, Ohio Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $150.1 $120.0 Per share 0.55 0.45 ROA 2.09% 1.76% ROE 19.50% 18.20% Net interest margin 4.08% 3.86% Net interest income 273.5 247.7 Noninterest income 180.5 137.3 Noninterest expense 187.7 161.4 Year to Date 1998 1997 Net income $476.1 $460.9 Per share 1.76 1.73 ROA 1.67% 1.74% ROE 16.20% 18.40% Balance Sheet 12/31/98 12/31/97 Assets $28,921.8 $27,710.7 Deposits 18,780.4 19,019.9
Loans 18,271.0 17,576.7
CNB Bancshares Inc.
Evansville, Ind. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $24.7 $18.6 Per share 0.67 0.53 Year to Date 1998 1997 Net income $61.6 $59.9 Per share 1.73 1.69 Balance Sheet 12/31/98 12/31/97 Assets $7,141.8 $6,596.1 Deposits 4,958.3 4,615.1 Loans 3,835.0 3,932.2
Centura Banks Inc. Rocky Mount, N.C. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $25.2 $23.5 Per share 0.93 0.89 Year to Date 1998 1997 Net income $96.9 $83.1 Per share 3.60 3.15 Balance Sheet 12/31/98 12/31/97 Assets $8,235.9 $7,125.4 Deposits 5,680.7 5,364.9 Loans 5,335.5 4,522.3
CCB Financial Corp. Durham, N.C. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $31.6 $27.7 Per share 0.77 0.66 Year to Date 1998 1997 Net income $121.2 $95.4 Per share 2.93 2.28 Balance Sheet 12/31/98 12/31/97 Assets $7,740.4 $7,138.5 Deposits 6,459.8 5,621.4 Loans 5,487.3 5,093.6
AmSouth Bancorp. Birmingham, Ala. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $68.4 $58.9 Per share 0.57 0.48 ROA 1.37% 1.29% ROE 19.12% 17.15% Net interest margin 3.94% 4.07% Net interest income 180.5 171.5 Noninterest income 85.3 70.9 Noninterest expense 147.7 135.1 Year to Date 1998 1997 Net income $262.7 $226.2 Per share 2.17 1.82 ROA 1.35% 1.25% ROE 18.56% 16.51% Balance Sheet 12/31/98 12/31/97 Assets $19,901.7 $18,622.3 Deposits 13,283.8 12,945.2 Loans 12,693.8 12,058.5 ===
