+++ Megabanks: Assets of $75 Billion or more as of Dec. 31, 1998

Return on Average Common Equity

Rank Rank

1998 1997

'98'97 % (Ann.) % (Ann.)

1 1 First Union Corp., Charlotte, N.C. 22.81 20.24

2 12 U.S. Bancorp, Minneapolis, Minn. 21.9 14.6

3 2 PNC Bank Corp., Pittsburgh 20.81 20.01

4 3 Fleet Financial Group, Boston 18.07 19.3

5 5 KeyCorp, Cleveland 17.97 18.89

6 6 Chase Manhattan Corp., New York 17.3 18.7

7 4 SunTrust Banks Inc., Atlanta 17.21 19.07

8 9 Bank One Corp., Chicago 15.9 15.8

9 7 National City Corp., Cleveland 15.4 18.2

10 8 Citigroup, New York 14 17.5

11 11 BankAmerica Corp., Charlotte, N.C. 11.56 15.26

12 14 Wells Fargo & Co., San Francisco 9.86 12.81

13 13 J.P. Morgan & Co., New York 8.6 13.4

14 10 Bankers Trust New York Corp. -0.11 15.6

Mean Values for Group 15.09 17.1

Standard Deviation for Group 6.08 2.48

Return on Average Assets

Rank Rank 1998 1997

'98'97 % (Ann.) % (Ann.)

1 9 U.S. Bancorp, Minneapolis, Minn. 1.85 1.22

2 3 First Union Corp., Charlotte, N.C. 1.66 1.49

3 1 Fleet Financial Group, Boston 1.56 1.58

4 4 PNC Bank Corp., Pittsburgh 1.49 1.49

5 2 National City Corp., Cleveland 1.34 1.56

6 7 KeyCorp, Cleveland 1.32 1.33

7 8 Bank One Corp., Chicago 1.3 1.29

8 6 SunTrust Banks Inc., Atlanta 1.18 1.34

9 5 Wells Fargo & Co., San Francisco 1.04 1.37

10 11 Chase Manhattan Corp., New York 1.01 1.04

11 12 Citigroup, New York 0.94 0.65

12 10 BankAmerica Corp., Charlotte 0.88 1.2

13 14 J.P. Morgan & Co., New York 0.34 0.58

14 13 Bankers Trust New York Corp. -0.04 0.63

Mean for Group 1.13 1.2

Standard deviation for Group 0.51 0.35

Nonperforming Asset Ratio

Rank Rank

'98'97 1998 1997

1 3 SunTrust Banks Inc., Atlanta 0.37 0.42

2 7 Fleet Financial Group, Boston 0.41 0.66

3 4 National City Corp., Cleveland 0.43 0.53

4 1 J.P. Morgan & Co., New York 0.48 0.36

5 6 U.S. Bancorp, Minneapolis, Minn. 0.51 0.62

6 2 Bank One Corp., Chicago 0.53 0.42

7 5 PNC Bank Corp., Pittsburgh 0.58 0.61

8 9 First Union Corp., Charlotte, N.C. 0.62 0.75

9 10 KeyCorp, Cleveland 0.65 0.81

10 8 BankAmerica Corp., Charlotte, N.C. 0.77 0.71

11 11 Wells Fargo & Co., San Francisco 0.82 0.92

12 12 Chase Manhattan Corp., New York 0.93 0.93

13 14 Citigroup, New York 2.34 2.57

14 13 Bankers Trust New York Corp. 3.2 2.5

Mean for Group 1.04 1.02

Standard deviation for Group 0.89 0.77

Return on Average Common Equity

Rank Rank 1998 1997

'98'97 % (Ann.) % (Ann.)

1 1 MBNA Corp., Newark, Del. 36.91 35.56

2 2 HSBC Americas Inc., Buffalo 24.93 22.93

3 3 Bank of New York Co. 24.25 22.13

4 5 Comerica Inc., Detroit 22.54 21.32

5 4 Mellon Bank Corp., Pittsburgh 20.7 21.5

6 7 Northern Trust Corp., Chicago 20.47 20.17

7 6 State Street Corp., Boston 20.2 20.6

8 15 BB&T Corp., Winston-Salem, N.C. 19.73 15.63

9 12 LaSalle National Corp., Chicago (1) 18.42 17.38

10 18 Summit Bancorp, Princeton, N.J. 17.5 14.92

11 20 Wachovia Corp., Winston-Salem, N.C. 16.92 13.08

12 8 BankBoston Corp. 16.91 20.05

13 13 SouthTrust Corp., Birmingham, Ala. 16.39 16.05

14 14 Union Bank of California, San Franc 16.39 16.05

15 10 Fifth Third Bancorp, Cincinnati 16.2 18.4

16 17 Mercantile Bancorp, St. Louis, Mo. 15.29 15.32

17 16 Regions Financial Corp., Montgomery 14.62 15.38

18 9 Firstar Corp., Milwaukee 12.73 19.69

19 22 Harris Bancorp, Chicago (1) 12.19 11.31

20 19 Republic New York Corp. 7.78 14.69

21 21 Union Planters Corp., Memphis, Tenn 7.71 12.45

22 11 Huntington Bancshares, Columbus, Oh 6.1 18.23

Mean Values for Group 17.49 18.31

Standard Deviation for Group 6.63 5.06

Return on Average Assets

Rank Ra 1998 1997

'98'97 % (Ann.) % (Ann.)

1 1 MBNA Corp., Wilmington, Del. 3.38 3.25

2 3 Bank of New York Co. 1.89 1.86

3 4 Mellon Bank Corp., Pittsburgh 1.81 1.8

4 8 Comerica Inc., Detroit 1.74 1.52

5 5 Fifth Third Bancorp, Cincinnati 1.67 1.74

6 7 HSBC Americas Inc., Buffalo (1) 1.6 1.62

7 2 Union Planters Corp., Memphis 1.58 2.47

8 16 BB&T Corp., Winston-Salem, N.C. 1.55 1.25

9 10 Union Bank of California, San Franc 1.53 1.39

10 15 Summit Bancorp, Princeton, N.J. 1.51 1.28

11 20 Wachovia Corp., Winston-Salem, N.C. 1.37 1.03

12 13 Mercantile Bancorp., St. Louis 1.31 1.3

13 14 Northern Trust Corp., Chicago 1.3 1.29

14 12 Regions Financial Corp., Birmingham 1.24 1.35

15 6 Firstar Corp., Milwaukee 1.18 1.62

16 17 LaSalle National Corp., Chicago (1) 1.18 1.11

17 11 BankBoston Corp., Boston 1.1 1.35

18 18 SouthTrust Corp., Birmingham, Ala. 1.08 1.08

19 19 State Street Corp., Boston 0.95 1.07

20 21 Harris Bankcorp, Chicago (1) 0.87 0.85

21 9 Huntington Bancshares, Columbus, Oh 0.45 1.41

22 22 Republic New York Corp. 0.41 0.77

Mean for Group 1.4 1.47

Standard deviation for Group 0.59 0.55

Nonperforming Asset Ratio

Rank Rank

'98'97 1998 1997

1 2 Harris Bancorp, Chicago (1) 0.2 0.2

2 1 State Street Corp., Boston 0.25 0.1

3 4 Northern Trust Corp., Chicago 0.26 0.34

4 6 Fifth Third Bancorp, Cincinnati 0.29 0.45

5 10 Union Bank of California, San Franc 0.37 0.57

6 5 Comerica Inc., Detroit 0.39 0.36

7 3 Wachovia Corp., Winston-Salem, N.C. 0.4 0.29

8 9 LaSalle National Corp., Chicago (1) 0.41 0.53

9 8 Summit Bancorp, Princeton, N.J. 0.42 0.53

10 12 Mellon Bank Corp., Pittsburgh 0.44 0.62

11 13 BB&T Corp., Winston-Salem, N.C. 0.48 0.64

12 16 Huntington Bancshares, Columbus, Oh 0.49 0.76

13 11 Bank of New York Co. 0.51 0.6

14 7 Firstar Corp., Milwaukee 0.53 0.52

15 15 Regions Financial Corp., Montgomery 0.6 0.75

16 18 SouthTrust Corp., Birmingham, Ala. 0.6 0.8

17 14 Mercantile Bancorp, St. Louis, Mo. 0.68 0.65

18 19 Republic New York Corp. 0.68 0.91

19 17 BankBoston Corp. 0.9 0.8

20 20 Union Planters Corp., Memphis, Tenn 0.97 1.01

21 21 HSBC Americas Inc., Buffalo (1) 1.57 1.75

22 22 MBNA Corp., Newark, Del. (2) 4.62 4.59

Mean for Group 0.76 0.84

Standard deviation for Group 0.93 0.92

Return on Average Common Equity

Rank Rank

'98'97 % (Ann.) % (Ann.)

1 2 First Tennesee National Corp., Memp 22.7 22.5

2 1 North Fork Bancorp, Melville, NY 20.5 25.63

3 3 Synovus Financial Corp., Columbus, 20.43 21.2

4 9 AmSouth Bancorp, Birmingham, Ala. 18.56 16.57

5 7 Associated Banc-Corp., Green Bay, W 18.33 16.93

6 4 TCF Financial Corp., Minneapolis 17.34 19.45

7 12 Old Kent Financial Corp., Grand Rap 17.08 16.3

8 5 Zions Bancorp, Salt Lake City, Utah 16.38 19.08

9 8 First Security Corp., Salt Lake Cit 16.21 16.6

10 10 Compass Bancshares Inc., Birmingham 15.93 16.52

11 13 Popular Inc., San Juan, P.R. 15.41 15.83

12 15 Commerce Bancshares, Kansas City, M 14.58 14.08

13 19 Citizens Financial Group Inc., Prov 14.28 12.17

14 17 Hibernia Corp., New Orleans 14.17 12.79

15 11 Marshall & Ilsley Corp., Milwaukee 14.13 16.49

16 6 M & T Bank Corp., Buffalo 13.86 18.49

17 14 First American Corp., Nashville, Te 12.61 15.56

18 21 First Maryland Bancorp, Baltimore 11.36 9.66

19 16 Colonial BancGroup Inc., Montgomery 10.26 13.55

20 18 Pacific Century Financial Corp., Ho 9.21 12.57

21 20 BancWest Corp., Honolulu 8.86 11.61

22 22 Michigan National Corp., Farmington 8.24 6.51

Mean Values for Group 15.02 15.91

Standard Deviation for Group 3.9 4.3

Mean Values for all 58 Bank Institu 15.98 17.11

Standard Deviation of 58 Bank Unive 5.63 4.33

Return on Average Assets

Rank Rank 1998 1997

'98'97 % (Ann.) % (Ann.)

1 1 Synovus Financial Corp., Columbus, 2.14 2.06

2 2 North Fork Bancorp, Melville, NY 1.66 1.78

3 3 TCF Financial Corp., Minneapolis 1.62 1.77

4 7 Associated Banc-Corp., Green Bay, W 1.48 1.37

5 4 Marshall & Ilsley Corp., Milwaukee 1.45 1.51

6 8 Commerce Bancshares, Kansas City, M 1.43 1.37

7 16 Citizens Financial Group, Providenc 1.41 1.15

8 12 Hibernia Corp., New Orleans 1.39 1.29

9 5 First Tennessee National Corp., Mem 1.35 1.49

10 14 AmSouth Bancorp., Birmingham, Ala. 1.35 1.25

11 9 First Security Corp., Salt Lake Cit 1.28 1.35

12 18 First Maryland Bancorp, Baltimore ( 1.28 1.07

13 11 Old Kent Financial Corp., Grand Rap 1.26 1.3

14 15 Compass Bancshares Inc., Birmingham 1.17 1.19

15 21 Michigan National Corp., Farmington 1.17 0.99

16 10 M & T Bank Corp., Buffalo 1.14 1.32

17 17 Popular Inc., Hato Rey-San Juan, P. 1.14 1.14

18 13 Zions Bancorp, Salt Lake City, Utah 1.11 1.29

19 6 First American Corp., Nashville, Te 1.09 1.38

20 19 BancWest Corp., Honolulu 0.83 1.06

21 20 Colonial BancGroup Inc., Montgomery 0.83 1.02

22 22 Pacific Century Financial Corp., Ho 0.72 0.98

Mean for Group 1.29 1.32

Standard Deviation for Group 0.31 0.27

Mean Values for all 58 Bank Institu 1.29 1.35

Standard Deviation of 58 Bank Unive 0.48 0.42

Nonperforming Asset Ratio

Rank Rank

'98'97 1998 1997

1 12 North Fork Bancorp, Melville, NY 0.32 0.76

2 5 First Security Corp., Salt Lake Cit 0.35 0.4

3 1 Zions Bancorp, Salt Lake City, Utah 0.39 0.22

4 6 Synovus Financial Corp., Columbus, 0.41 0.44

5 3 First American Corp., Nashville, Te 0.47 0.37

6 8 First Tennesee National Corp., Memp 0.51 0.61

7 2 Hibernia Corp., New Orleans 0.52 0.33

8 4 Compass Bancshares Inc., Birmingham 0.55 0.4

9 10 AmSouth Bancorp, Birmingham, Ala. 0.6 0.68

10 14 Commerce Bancshares, Kansas City, M 0.64 0.78

11 18 Citizens Financial Group Inc., Prov 0.64 0.88

12 17 TCF Financial Corp., Minneapolis 0.68 0.83

13 15 Michigan National Corp., Farmington 0.71 0.79

14 11 Old Kent Financial Corp., Grand Rap 0.75 0.71

15 9 Marshall & Ilsley Corp., Milwaukee 0.79 0.64

16 13 M & T Bank Corp., Buffalo 0.81 0.77

17 7 Associated Banc-Corp., Green Bay, W 0.82 0.51

18 16 First Maryland Bancorp, Baltimore ( 0.95 0.8

19 20 Colonial BancGroup Inc., Montgomery 1.03 1.27

20 21 BancWest Corp., Honolulu 1.08 1.38

21 19 Pacific Century Financial Corp., Ho 1.58 1.21

22 22 Popular Inc., San Juan, P.R. 2.22 1.86

Mean for Group 0.79 0.76

Standard deviation for Group 0.43 0.4

Mean Values for all 58 Bank Institu 0.78 0.81

Standard Deviation of 58 Bank Unive 0.74 0.69 ===

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