+++ Megabanks- Asset of $75 Billion more on June 30, 1997

Return on Average Assets

Rank

2Q 2Q 2Q '9 2Q '96

'97 '96 % (An% (Ann)

1 7(SRNorwest Corp., Minneapolis 1.61 1.50

2 15(SR)Fleet Financial Group, Boston 1.61 1.32

3 1 Citicorp, New York 1.40 1.43

4 4 First Chicago NBD Corp. 1.40 1.25

5 3 First Union Corp., Charlotte, N.C. 1.39 1.29

6 6 NationsBank Corp., Charlotte, N.C. 1.27 1.20

7 5 BankAmerica Corp., San Francisco 1.26 1.21

8 7 Chase Manhattan Corp., New York 1.06 1.08

9 2 Wells Fargo & Co., San Francisco 0.92 1.35

10 8 J.P. Morgan & Co., New York 0.62 0.84

11 9 Bankers Trust New York Corp. 0.56 0.52

127 (SRBanc One Corp., Columbus, Ohio 0.01 1.54

Return on Average Assets

Return on Average Common Equity

Rank

2Q 2Q 2Q '97 2Q '96

'97 '96 % (Ann) % (Ann)

1 4 (SR) Norwest Corp., Minneapolis 22.30 22.10

2 1 Citicorp, New York 20.30 19.61

3 13 (SR)Fleet Financial Group, Boston 20.24 17.20

4 2 First Union Corp., Charlotte, N.C. 19.90 19.10

5 3 Chase Manhattan Corp., New York 19.23 18.67

6 5 First Chicago NBD Corp. 17.64 17.65

7 7 BankAmerica Corp., San Francisco 16.73 15.42

8 4 NationsBank Corp., Charlotte, N.C. 15.25 18.00

9 8 Bankers Trust New York Corp. 15.20 12.90

10 6 J.P. Morgan & Co., New York 14.10 17.10

11 9 Wells Fargo & Co., San Francisco 6.90 9.70

1214 (SR)Banc One Corp., Columbus, Ohio 0.63 16.90

Nonperforming Asset Ratios

Rank

2Q 2Q

'97 '96 2Q '972Q '96

1 3 Chase Manhattan Corp., New York 0.31 0.51

3 1 J.P. Morgan & Co., New York 0.37 0.45

2 2 First Chicago NBD Corp. 0.50 0.60

4 8 (SR) Banc One Corp., Columbus, Ohio (4) 0.53 0.62

5 3 (LR) Norwest Corp., Minneapolis 0.57 0.58

6 7 BankAmerica Corp., San Francisco 0.69 0.99

7 6 First Union Corp., Charlotte, N.C. 0.73 0.91

8 5 Wells Fargo & Co., San Francisco 0.80 0.90

9 4 NationsBank Corp., Charlotte, N.C. 0.84 0.80

1020 (LR)Fleet Financial Group, Boston 0.91 1.26

11 8 Citicorp, New York 2.20 3.00

12 9 Bankers Trust New York Corp. 2.70 6.60 Superregional Banks -Asset between $25 billion an $75 billion

Rank

2Q 2Q 2Q '9 2Q '96

'97 '96 % (An% (Ann)

1 1 First Bank System Inc., Minneapolis 2.02 2.65

2 2 Bank of New York Co. 1.83 2.05

3 4 Mellon Bank Corp., Pittsburgh, Pa. 1.79 1.70

4 3 CoreStates Fin'l Corp., Philadelphia 1.78 1.78

5 6 U.S. Bancorp, Portland, Ore. 1.62 1.50

6 5 National City Corp., Cleveland 1.58 1.51

7 2 (LR) HSBC Americas, Inc., Buffalo (1) 1.55 1.73

8 10 Comerica Inc., Detroit 1.49 1.37

9 8 PNC Bank Corp., Pittsburgh 1.47 1.38

10 12 Barnett Banks Inc., Jacksonville, Fla. 1.44 1.36

11 9 Wachovia Corp., Winston-Salem, N.C. 1.42 1.38

12 7 BankBoston Corp. 1.33 1.47

13 13 KeyCorp, Cleveland 1.32 1.35

14 17 Union Bank of California, San Francisc 1.32 0.64

15 11 SunTrust Banks, Inc., Atlanta 1.31 1.36

1613 (LR)Northern Trust Corp., Chicago 1.27 1.21

17 15 State Street Corp., Boston 1.09 0.98

18 14 SouthTrust Corp., Birmingham, Ala. 1.06 1.10

Return on Average Assets

Return on Average Common Equity

Rank

2Q 2Q 2Q '97 2Q '96

'97 '96 % (Ann) % (Ann)

1 18 CoreStates Financial Corp., Philadelphia 23.60 8.40

2 2 First Bank System Inc., Minneapolis 23.20 21.10

33 (LR) HSBC Americas Inc., Buffalo (1) 22.90 20.74

4 3 Mellon Bank Corp., Pittsburgh, Pa. 21.90 20.32

5 1 Bank of New York Co. 21.84 21.97

6 6 SunTrust Banks Inc., Atlanta 21.20 18.90

7 10 Comerica Inc., Detroit 21.10 17.50

8 8 State Street Corp., Boston 20.70 18.16

96 (LR) Northern Trust Corp., Chicago 20.01 18.37

10 11 PNC Bank Corp., Pittsburgh 19.90 17.00

11 4 BankBoston Corp. 19.54 19.68

12 7 National City Corp., Cleveland 19.50 18.20

13 5 U.S. Bancorp, Portland, Ore. 19.10 19.30

14 11 KeyCorp, Cleveland 18.90 17.00

15 9 Wachovia Corp., Winston-Salem, N.C. 18.60 17.80

16 11 Barnett Banks Inc., Jacksonville, Fla. 18.10 17.00

17 17 Union Bank of California, San Francisco 16.20 15.00

18 15 SouthTrust Corp., Birmingham, Ala. 15.90 15.70

Nonperforming Asset Ratios

Rank

2Q 2Q

'97 '96 2Q '97 2Q '96

1 2 State Street Corp., Boston 0.19 0.27

2 1 Wachovia Corp., Winston-Salem, N.C. 0.21 0.24

3 5 Comerica Inc., Detroit 0.34 0.62

4 3 National City Corp., Cleveland 0.42 0.54

5 4 First Bank System, Inc., Minneapolis 0.47 0.58

6 2 (LR) Northern Trust Corp., Chicago 0.49 0.39

7 8 Mellon Bank Corp., Pittsburgh, Pa. 0.57 0.74

8 9 SunTrust Banks, Inc., Atlanta 0.57 0.77

9 6 Bank of New York Co. 0.60 0.70

10 13 Barnett Banks, Inc., Jacksonville, Fla 0.73 0.82

11 14 Republic New York Corp. 0.74 0.83

12 12 SouthTrust Corp., Birmingham, Ala. 0.80 0.81

13 17 Union Bank of California, San Francisc 0.80 1.11

14 11 CoreStates Financial Corp., Philadelph 0.82 0.79

15 15 PNC Bank Corp., Pittsburgh 0.83 1.03

16 9 KeyCorp, Cleveland 0.84 0.77

17 7 U.S. Bancorp, Portland, Ore. 0.86 0.71

18 16 BankBoston Corp. 0.90 1.10 Large Regional Banks - Assets between &10 billion and $25 billion

Rank

2Q 2Q 2Q '9 2Q '96

'97 '96 % (An% (Ann)

1 1 MBNA Corp., Newark, Del. (4) 2.96 3.03

2 2 Fifth Third Bancorp, Cincinnati 1.90 1.73

3 NR Star Banc Corp., Cincinnati 1.86 1.66

4 NR Union Planters Corp., Memphis, Tenn. 1.62 1.29

5 NR Old Kent Financial Corp., Grand Rapids 1.60 1.24

6 4 BB&T Corp., Winston-Salem, N.C. 1.54 1.50

7 3 Marshall & Ilsley Corp., Milwaukee 1.53 1.52

8 8 Summit Bancorp, Princeton, N.J. 1.52 1.37

9 4 Firstar Corp., Milwaukee 1.51 1.50

10 16 Citizens Fin'l Group Inc., Providence, 1.48 0.96

11 NR First Tennesee National Corp., Memphis 1.43 1.34

12 7 Regions Financial Corp., Montgomery, A 1.42 1.39

13 11 Crestar Financial Corp., Richmond, Va. 1.42 1.23

14 NR First American Corp., Nashville, Tenn. 1.40 1.28

15 13 First of America Bank Corp., Kalamazoo 1.38 1.12

16 9 Huntington Bancshares, Columbus, Ohio 1.35 1.31

17 NR First Security Corp., Salt Lake City, 1.34 1.36

18 6 Mercantile Bancorp, St. Louis, Mo. 1.33 1.48

19 NR First Maryland Bancorp, Baltimore (1) 1.31 1.28

20 NR First Empire State Corp., Buffalo 1.31 1.25

21 14 AmSouth Bancorp, Birmingham, Ala. 1.24 1.09

22 NR Compass Bancshares Inc., Birmingham, A 1.23 1.23

23 10 LaSalle National Corp., Chicago (1) 1.21 1.26

24 NR Central Fidelity Banks Inc. Richmond, 1.20 1.11

25 12 Popular Inc., San Juan, P.R. (3) 1.16 1.16

Summary totals for 55 bank universe studied

ROAA ROAA

Return on Average Assets 2Q97 2Q96

Mean Values for all 55 bank institutio 1.35 1.35

Standard Deviation of 55 bank universe 0.43 0.39

Return on Average Common Equity

Rank

2Q 2Q 2Q '97 2Q '96

'97 '96 % (Ann) % (Ann)

1 1 MBNA Corp., Newark, Del. 33.02 32.13

2NR Star Banc Corp., Cincinnati 22.80 19.10

3 2 LaSalle National Corp., Chicago (1) 21.96 23.94

4NR First Tennesee National Corp., Memphis 19.95 18.37

5 5 BB&T Corp., Winston-Salem, N.C. 19.50 18.70

6 7 Fifth Third Bancorp, Cincinnati 19.30 17.10

7 4 Firstar Corp., Milwaukee 18.86 19.35

8NR First Empire State Corp., Buffalo 18.40 17.85

9 7 Huntington Bancshares, Columbus, Ohio 18.00 17.10

10 12 Marshall & Ilsley Corp., Milwaukee 17.78 16.10

11NR Union Planters Corp., Memphis, Tenn. 17.77 16.01

12NR Compass Bancshares Inc., Birmingham, Ala 17.49 17.33

13 9 Summit Bancorp, Princeton, N.J. 17.30 16.70

14NR First Security Corp., Salt Lake City, Ut 17.30 16.52

15 9 Mercantile Bancorp, St. Louis, Mo. 16.50 16.70

16 16 First of America Bank Corp., Kalamazoo 16.50 14.20

17 15 AmSouth Bancorp, Birmingham, Ala. 16.30 14.30

18 11 Regions Financial Corp., Montgomery, Ala 16.20 16.80

19 13 Crestar Financial Corp., Richmond, Va. 16.10 16.03

20NR Old Kent Financial Corp., Grand Rapids, 16.10 14.60

21 11 Popular Inc., San Juan, P.R. (3) 16.03 16.47

22NR First American Corp., Nashville, Tenn. 16.00 14.90

23NR Central Fidelity Banks Inc. Richmond, Va 15.09 13.95

24 17 Pacific Century Fin'l Corp., Honolulu, H 13.10 12.70

25 18 Citizens Fin'l Group Inc., Providence, R 12.41 7.80

26NR First Maryland Bancorp, Baltimore (1) 11.58 11.35

27 14 Harris Bancorp, Chicago (1) 11.49 15.21

28NR Signet Banking Corp., Richmond, Va. -0.85 14.47

Mean Values for 28 Large Regional Banks 16.85616.635

Standard Deviation of 28 Large Regional 5.231 4.104

Summary totals for 59 bank universe studied

ROAE

Return on Average Common Equity 2Q97 (An2Q96 (Ann.)

Mean Values for all 59 bank institutions 17.58417.079

Standard Deviation of 59 bank universe 4.966 3.588

Nonperforming Asset Ratios

Rank

2Q 2Q

'97 '96 2Q '972Q '96

1 NR First American Corp., Nashville, Tenn. 0.22 0.40

2 2 Harris Bankcorp, Chicago (1) 0.31 0.42

3 1 Fifth Third Bancorp, Cincinnati 0.37 0.41

4 NR Compass Bancshares Inc., Birmingham, A 0.38 0.43

5 NR First Security Corp., Salt Lake City, 0.40 0.35

6 NR Star Banc Corp., Cincinnati 0.44 0.54

7 5 Huntington Bancshares, Columbus, Ohio 0.47 0.57

8 4 BB&T Corp., Winston-Salem, N.C. 0.50 0.54

9 NR Signet Banking Corp., Richmond, Va. 0.52 0.92

10 NR Old Kent Financial Corp., Grand Rapids 0.57 0.58

11 6 Mercantile Bancorp, St. Louis, Mo. 0.62 0.61

12 10 Crestar Financial Corp., Richmond, Va. 0.64 0.90

13 13 Marshall & Ilsley Corp., Milwaukee 0.65 1.00

14 NR First Tennesee National Corp., Memphis 0.66 0.32

15 3 Regions Financial Corp., Montgomery, A 0.68 0.53

16 7 Firstar Corp., Milwaukee 0.68 0.77

17 8 AmSouth Bancorp, Birmingham, Ala. 0.73 0.85

18 9 First of America Bank Corp., Kalamazoo 0.75 0.88

19 11 LaSalle National Corp., Chicago (1) 0.75 0.96

20 14 Summit Bancorp, Princeton, N.J. 0.76 1.33

21 NR Union Planters Corp., Memphis, Tenn. 0.80 0.87

22 NR First Maryland Bancorp, Baltimore (1) 0.86 0.98

23 NR First Empire State Corp., Buffalo 0.96 0.93

24 12 Pacific Century Financial Corp., Honol 1.04 0.99

25 NR Central Fidelity Banks Inc. Richmond, 1.13 1.25

Mean Values for 28 Large Regional Ban 0.752 0.841

Standard Deviation of 28 Large Regiona 0.356 0.374

Summary totals for 59 bank universe studied

NPAR % NPAR %

Nonperforming Assets Ratio 2Q97 2Q96

Mean V 0.76 0.95

Standa 0.46 0.90 ===

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