Capital Management Report: First Quarter 1995 Highlights

+++ Biggest dividend increases Name % Chg.

1 Citicorp 100.00%

2 Midlantic Corp. 29.4

3 Roosevelt Financial Group 27.3

4 First Bank System Inc. 25

5 JSB Financial Inc. 25

6 ALBANK Financial Corp. 20

7 First Financial Corp. 20

8 Mercantile Bancorp. 17.9

9 SouthTrust Corp. 17.6

10 BankAmerica Corp. 15 Largest ratio of dividends to earnings

Name Ratio

1 Roosevelt Financial Group 116.70%

2 CoreStates Financial Corp 89.5

3 Great Western Financial 82.1

4 Ahmanson & Company (H.F.) 66.7

5 PNC Bank Corp. 64.8

6 Firstar Corp. 62.5

7 J.P. Morgan & Co. 59.1

8 First of America Bank Corp. 56

9 AmSouth Bancorp. 55.1

10 Boatmen's Bancshares Inc. 50.8 Biggest equity ratio increases*

Name % Chg.

1 Fleet Financial Group 20.30%

2 Glendale Federal Bank 14.1

3 First Financial Corp. 13.3

4 Norwest Corp. 11

5 First Bank System Inc. 10.9

6 Bank of Boston Corp. 10

7 Boatmen's Bancshares Inc. 7.8

8 Integra Financial Corp. 7.5

9 People's Bank MHC 7.2

10 SunTrust Banks Inc. 7 Biggest equity ratio decreases*

Name % Chg.

1 Astoria Financial Corp. -21.90%

2 Bankers Trust New York Corp. (NL) -15.5

3 Roosevelt Financial Group -7.5

4 Chemical Banking Corp. (XL) -6.7

5 J.P. Morgan & Co. -6.5

6 TCF Financial Corp. (NL)(XL) -6.4

7 First Chicago Corp. -5.8

8 NationsBank Corp. -4.9

9 Security Capital Corp. -4.9

10 Citicorp -3.9 Largest % increases in shares outstanding

Name % Incr.

1 TCF Financial Corp. (NL)(XL) 44.40%

2 Boatmen's Bancshares Inc. 22.3

3 First Financial Corp. 17.9

4 State Street Boston Corp. 7.9

5 Mercantile Bancorp. 5.2

6 Fleet Financial Group 4.6

7 Bank of Boston Corp. 4.3

8 Norwest Corp. 4.3

9 Northern Trust Corp. 3.5

10 Crestar Financial Corp. 2.9 Largest % decreases in shares outstanding

Name % Decr.

1 Wells Fargo & Co. -3.30%

2 Brooklyn Bancorp -3.1

3 First Union Corp. -2.3

4 First Fidelity Bancorp. -2.1

5 Security Capital Corp. -2

6 ALBANK Financial Corp. -1.9

7 PNC Bank Corp. -1.8

8 Chemical Banking Corp. (XL) -1.5

9 CoreStates Financial Corp -1.2

10 Meridian Bancorp -1.2 === *Period-end ratio of common equity to total assets. NL-Net loss in quarter. XL-Loss on extraordinary item in quarter. XG-Gain on extraordinary item in quarter. Source: SNL Securities LP. Compiled by American Banker