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Sovereign Bancorp
Wyomissing, Pa.
Dollar amounts in millions (except per share)
Net income $48.8 $42.9
Per share 0.30 0.27
ROA 0.87% 0.91%
ROE 16.77% 16.16%
Net interest margin 2.92% 2.78%
Net interest income 147.4 119.0
Noninterest income 33.3 25.2
Noninterest expense 98.4 70.3
Year to Date 1999 1998
Net income $94.1 $58.0
Per share 0.58 0.36
ROA 0.84% 0.77%
ROE 15.91% 13.52%
Balance Sheet 6/30/99 6/30/98
Assets $24,594.0 $18,781.1
Deposits 12,170.5 9,980.7
Loans 12,342.8 10,520.9
Marshall & Ilsley Corp.
Milwaukee, Wis.
Dollar amounts in millions (except per share)
Net income $87.5 $62.2
Per share 0.77 0.54
ROA 1.57% 1.21%
ROE 16.04% 11.86%
Net interest margin 3.67% 3.70%
Net interest income 184.7 174.3
Noninterest income 208.5 184.5
Noninterest expense 247.9 251.0
Year to Date 1999 1998
Net income $173.0 $137.7
Per share 1.52 1.19
ROA 1.59% 1.36%
ROE 15.79% 13.34%
Balance Sheet 6/30/99 6/30/98
Assets $22,792.5 $20,983.2
Deposits 15,897.5 14,607.2
Loans 14,673.8 13,186.3
Allfirst Financial Inc.
Baltimore, Md.
Dollar amounts in millions (except per share)
Net income $37.6 $47.5
Per share NA NA
ROA 0.85% 1.12%
ROE 7.75% 9.76%
Net interest margin 3.64% 3.84%
Net interest income 138.5 140.2
Noninterest income 83.2 89.8
Noninterest expense 148.8 146.0
Year to Date 1999 1998
Net income $80.0 $143.2
Per share NA NA
ROA 0.91% 1.70%
ROE 8.16% 14.91%
Balance Sheet 6/30/99 6/30/98
Assets $17,689.0 $17,140.0
Deposits 11,957.0 12,109.0
Loans 10,571.0 10,077.0