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Community First Bankshares Inc.

Fargo, N.D.

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $18.0 $6.0

Per share 0.39 0.14

ROA 1.23% 0.45%

ROE 18.26% 6.69%

Net interest margin 5.03% 5.04%

Net interest income 69.0 66.0

Noninterest income 18.0 14.0

Noninterest expense 51.0 64.0

Year to Date 1999 1998

Net income $36.0 $23.0

Per share 0.76 0.48

ROA 1.22% 0.83%

ROE 18.00% 12.15%

Balance Sheet 6/30/99 6/30/98

Assets $6,021.0 $5,897.0

Deposits 4,690.0 4,819.0

Loans 3,347.0 3,161.0

Charter One Financial Inc.

Cleveland

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $92.5 $79.4

Per share 0.54 0.46

ROA 1.49% 1.31%

ROE 18.47% 16.97%

Net interest margin 3.30% 3.13%

Net interest income 191.6 181.1

Noninterest income 64.1 110.6

Noninterest expense 111.7 110.6

Year to Date 1999 1998

Net income $180.6 $153.4

Per share 1.06 0.89

ROA 1.47% 1.26%

ROE 18.40% 16.68%

Balance Sheet 6/30/99 6/30/98

Assets $24,952.6 $24,467.3

Deposits 15,087.6 15,165.1

Loans 17,553.7 17,502.7

Fifth Third Bancorp

Cincinnati

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $162.0 $58.0

Per share 0.59 0.22

ROA 2.12% 1.86%

ROE 19.60% 18.40%

Net interest margin 4.15% 3.87%

Net interest income 295.0 261.0

Noninterest income 187.0 148.0

Noninterest expense 195.0 261.0

Year to Date 1999 1998

Net income $312.0 $182.0

Per share 1.14 0.68

ROA 2.10% 1.81%

ROE 19.50% 18.20%

Balance Sheet 6/30/99 6/30/98

Assets $31,628.0 $28,293.0

Deposits 20,129.0 18,792.0

Loans 18,940.0 17,705.0

Citizens Banking Corp.

Flint, Mich.

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $15.1 $13.7

Per share 0.54 0.48

ROA 1.33% 1.23%

ROE 14.18% 13.03%

Net interest margin 4.90% 4.89%

Net interest income 51.8 49.5

Noninterest income 21.4 14.0

Noninterest expense 45.7 40.2

Year to Date 1999 1998

Net income $29.5 $27.2

Per share 1.05 0.95

ROA 1.31% 1.23%

ROE 13.84% 13.16%

Balance Sheet 6/30/99 6/30/98

Assets $4,758.0 $4,436.0

Deposits 3,702.0 3,653.0

Loans 3,608.0 3,450.0

First Tennessee National Corp.

Memphis, Tenn.

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $61.0 $52.7

Per share 0.45 0.40

ROA 1.33% 1.31%

ROE 20.90% 22.20%

Net interest margin 3.81% 3.86%

Net interest income 147.1 133.2

Noninterest income 294.2 219.9

Noninterest expense 330.7 258.4

Year to Date 1999 1998

Net income $114.0 $99.1

Per share 0.85 0.75

ROA 1.24% 1.29%

ROE 20.00% 20.90%

Balance Sheet 6/30/99 6/30/98

Assets $18,624.0 $16,571.0

Deposits 11,517.0 10,943.0

Loans 8,661.0 7,946.0

Harris Bank

Chicago

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $56.2 $50.3

Per share NA NA

ROA 0.88% 0.87%

ROE 13.63% 12.12%

Net interest margin 2.88% 2.99%

Net interest income 161.7 150.4

Noninterest income 122.5 112.8

Noninterest expense 192.0 177.1

Year to Date 1999 1998

Net income $110.7 $100.6

Per share NA NA

ROA 0.88% 0.90%

ROE 13.39% 12.20%

Balance Sheet 6/30/99 6/30/98

Assets $25,894.0 $24,119.0

Deposits 17,780.0 16,816.0

Loans 13,990.0 13,337.0

People's Bank

Bridgeport, Conn.

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $29.0 $28.7

Per share 0.47 0.45

ROA 1.14% 1.29%

ROE 14.20% 13.50%

Net interest margin 4.35% 4.20%

Net interest income 84.9 70.9

Noninterest income 75.8 81.3

Noninterest expense 103.0 95.3

Year to Date 1999 1998

Net income $56.9 $54.1

Per share 0.91 0.85

ROA 1.13% 1.25%

ROE 13.70% 13.50%

Balance Sheet 6/30/99 6/30/98

Assets $10,357.3 $9,105.2

Deposits 7,011.8 6,648.7

Loans 6,511.0 5,752.4

Peoples Heritage Financial Group Inc.

Portland, Me.

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $40.8 $12.5

Per share 0.39 0.12

ROA 1.25% 0.43%

ROE 18.08% 5.86%

Net interest margin 3.62% 4.03%

Net interest income 109.1 106.2

Noninterest income 33.8 30.3

Noninterest expense 79.3 114.3

Year to Date 1999 1998

Net income $54.3 $43.7

Per share 0.52 0.41

ROA 0.87% 0.76%

ROE 12.34% 10.32%

Balance Sheet 6/30/99 6/30/98

Assets $13,479.7 $11,609.7

Deposits 8,204.3 8,212.0

Loans 6,505.9 7,156.7

Sanwa Bank California

Los Angeles

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $26.6 $25.0

Per share NA NA

ROA 1.25% 1.25%

ROE 13.32% 12.85%

Net interest margin 4.76% 4.99%

Net interest income 93.0 91.4

Noninterest income 21.2 23.0

Noninterest expense 68.5 70.8

Year to Date 1999 1998

Net income $57.5 $50.7

Per share NA NA

ROA 1.36% 1.29%

ROE 14.28% 13.17%

Balance Sheet 6/30/99 6/30/98

Assets $8,590.5 $8,170.9

Deposits 6,853.0 6,300.6

Loans 6,438.8 6,287.3

TCF Financial Corp.

Minneapolis, Minn.

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $41.0 $40.2

Per share 0.49 0.45

ROA 1.60% 1.69%

ROE 20.11% 17.37%

Net interest margin 4.52% 4.94%

Net interest income 106.7 107.3

Noninterest income 76.0 69.6

Noninterest expense 112.8 105.6

Year to Date 1999 1998

Net income $78.3 $80.1

Per share 0.94 0.88

ROA 1.54% 1.67%

ROE 19.04% 17.13%

Balance Sheet 6/30/99 6/30/98

Assets $10,338.3 $9,393.1

Deposits 6,648.3 6,741.3

Loans 7,359.8 7,023.5

Valley National Corp.

Wayne, N.J.

Dollars in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $25.4 $25.9

Per share 0.41 0.42

ROA 1.68% 1.84%

ROE 17.39% 18.69%

Net interest margin 4.51% 4.63%

Net interest income 65.4 62.1

Noninterest income 11.8 11.6

Noninterest expense 35.2 33.8

Year to Date 1999 1998

Net income $51.9 $50.4

Per share 0.84 0.81

ROA 1.74% 1.79%

ROE 17.60% 18.37%

Balance Sheet 6/30/99 6/30/98

Assets $6,110.1 $5,692.6

Deposits 5,045.5 4,862.3

Loans 4,308.7 4,037.4

* Restated for Ramapo Financial merger

Webster Financial Corp.

Waterbury, Conn.

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $23.2 $9.4

Per share 0.61 0.24

ROA 1.04% 0.39%

ROE 17.52% 7.13%

Net interest margin 3.20% 2.64%

Net interest income 67.1 59.7

Noninterest income 20.2 21.8

Noninterest expense 50.0 62.8

Year to Date 1999 1998

Net income $45.0 $29.1

Per share 1.20 0.75

ROA 1.01% 0.61%

ROE 16.91% 11.25%

Balance Sheet 6/30/99 6/30/98

Assets $9,057.0 $9,189.1

Deposits 5,719.9 5,736.4

Loans 5,278.8 4,920.7 ===

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