+++

Summit Bancorp

Princeton, N.J.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $71.2 $87.5

Per share 0.41 0.52

ROA 1.50% 1.38%

ROE 17.02% 17.20%

Net interest margin 4.26% 4.23%

Net interest income 287.8 265.1

Noninterest income 74.2 63.8

Noninterest expense 180.8 166.9

Year to Date 1997 1996

Net income $258.8 $186.9

Per share 1.48 1.11

ROA 1.46% 1.29%

ROE 16.99% 16.22%

Balance Sheet 9/30/97 9/30/96

Assets $29,091.1 $27,405.0

Deposits 21,938.0 21,453.6

Loans 18,630.7 17,277.7

SunTrust Banks Inc.

Jacksonville, Fla.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $168.6 $155.6

Per share 0.80 0.70

ROA 1.29% 1.35%

ROE 21.38% 18.86%

Net interest margin 4.04% 4.38%

Net interest income 485.7 464.2

Noninterest income 232.9 197.2

Noninterest expense 424.4 389.6

Loss provision 29.0 30.0

Net chargeoffs (21.7) (27.9)

Year to Date 1997 1996

Net income $495.1 $458.1

Per share 2.31 2.04

ROA 1.31% 1.37%

ROE 20.94% 18.88%

Net interest margin 4.15% 4.39%

Net interest income 1,436.9 1,352.1

Noninterest income 686.8 611.0

Noninterest expense 1,251.7 1,184.0

Loss provision 84.4 81.2

Net chargeoffs (63.1) (56.5)

Balance Sheet 9/30/97 9/30/96

Assets $55,454.0 $49,633.0

Deposits 36,217.0 34,974.0

Loans 38,475.0 33,824.0

Reserve/nonp. loans 482.0% 386.2%

Nonperf. loans/loans 0.40% 0.55%

Nonperf. assets/assets 0.43% 0.48%

Nonperf. assets/loans + OREO 0.50% 0.71%

Leverage cap. ratio NA 6.63%

Tier 1 cap. ratio NA 7.78%

Tier 1+2 cap. ratio NA 11.30%

Popular Inc.

San Juan, P.R.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $53.6 $46.3

Per share 0.76 0.67

ROA 1.10% 1.10%

ROE 15.46% 15.94%

Net interest margin 4.42% 4.36%

Net interest income 203.0 172.2

Noninterest income 66.3 51.4

Noninterest expense 167.3 135.5

Year to Date 1997 1996

Net income $154.2 $137.5

Per share 2.22 1.99

ROA 1.15% 1.14%

ROE 15.93% 16.29%

Balance Sheet 9/30/97 9/30/96

Assets $19,893.6 $16,755.6

Deposits 11,208.2 10,589.0

Loans 11,186.3 9,589.3

Huntington Bancshares

Columbus, Ohio

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $41.2 $77.4

Per share 0.22 0.40

ROA 0.65% 1.33%

ROE 8.41% 17.75%

Net interest margin 4.41% 4.25%

Net interest income 257.2 226.2

Noninterest income 96.1 81.4

Noninterest expense 244.9 168.5

Year to Date 1997 1996

Net income $202.0 $225.1

Per share 1.06 1.16

ROA 1.08% 1.30%

ROE 14.48% 16.98%

Balance Sheet 9/30/97 9/30/96

Assets $25,576.1 $23,998.5

Deposits 17,589.8 16,153.8

Loans 17,692.6 16,359.1

First of America Bank Corp.

Kalamazoo, Mich.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $79.0 $51.0

Per share 0.89 0.55

ROA 1.48% 0.93%

ROE 17.15% 11.64%

Net interest margin 4.68% 4.59%

Net interest income 227.1 230.0

Noninterest income 115.4 99.0

Noninterest expense 194.9 227.9

Year to Date 1997 1996

Net income $231.6 $172.9

Per share 2.59 1.85

ROA 1.45% 1.03%

ROE 17.27% 12.91%

Balance Sheet 9/30/97 9/30/96

Assets $21,690.8 $22,168.6

Deposits 16,468.6 18,184.6

Loans 14,494.2 15,299.3

Harris Bank

Chicago

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $46.1 $31.6

Per share NA NA

ROA 0.86% 0.65%

ROE 11.31% 8.10%

Net interest margin 3.52% 3.81%

Net interest income 165.9 163.9

Noninterest income 104.0 84.4

Noninterest expense 179.9 179.6

Year to Date 1997 1996

Net income $134.5 $118.4

Per share NA NA

ROA 0.86% 0.85%

ROE 11.43% 12.44%

Balance Sheet 9/30/97 9/30/96

Assets $21,560.0 $20,876.0

Deposits 15,738.0 14,985.0

Loans 12,495.0 11,412.0

AmSouth Bancorp.

Birmingham, Ala.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $56.8 $35.2

Per share 0.70 0.41

ROA 1.26% 0.77%

ROE 16.64% 10.08%

Net interest margin 4.10% 3.90%

Net interest income 169.5 165.1

Noninterest income 65.5 60.1

Noninterest expense 131.1 152.0

Year to Date 1997 1996

Net income $167.3 $131.1

Per share 2.03 1.54

ROA 1.26% 0.77%

ROE 16.64% 10.08%

Balance Sheet 9/30/97 9/30/96

Assets $18,058.2 $18,615.1

Deposits 12,612.6 12,456.2

Loans 12,107.3 11,832.6

BB&T Corp.

Winston-Salem, N.C.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $61.3 $68.3

Per share 0.45 0.49

ROA 0.89% 1.09%

ROE 11.54% 13.80%

Net interest margin 4.55% 4.44%

Net interest income 277.1 253.3

Noninterest income 155.1 89.2

Noninterest expense 312.7 226.8

Year to Date 1997 1996

Net income $256.5 $240.2

Per share 1.84 1.72

ROA 1.29% 1.31%

ROE 16.23% 16.34%

Balance Sheet 9/30/97 9/30/96

Assets $27,212.1 $25,435.9

Deposits 19,335.3 18,954.1

Loans 19,199.0 17,191.3

Crestar Financial Corp.

Richmond, Va.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $79.5 $48.1

Per share 0.71 0.43

ROA 1.47% 0.89%

ROE 16.60% 10.94%

Net interest margin 4.47% 4.44%

Net interest income 217.1 215.6

Noninterest income 96.1 80.3

Noninterest expense 173.2 212.0

Year to Date 1997 1996

Net income $227.1 $180.1

Per share 2.03 1.61

ROA 1.41% 1.12%

ROE 16.38% 13.61%

Balance Sheet 9/30/97 9/30/96

Assets $23,188.4 $22,415.5

Deposits 16,109.7 16,612.1

Loans 14,678.6 13,570.9

First Empire State Corp.

Buffalo, N.Y.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $45.9 $35.9

Per share 6.57 5.05

ROA 1.36% 1.14%

ROE 18.92% 16.64%

Net interest margin 4.34% 4.38%

Net interest income 139.9 132.2

Noninterest income 50.2 44.9

Noninterest expense 104.7 107.7

Year to Date 1997 1996

Net income $129.9 $110.7

Per share 18.50 15.36

ROA 1.32% 1.19%

ROE 18.58% 17.44%

Balance Sheet 9/30/97 9/30/96

Assets $13,675.1 $12,820.6

Deposits 11,205.0 10,554.0

Loans 11,271.1 10,437.4 ===

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