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First Maryland Bancorp Baltimore, Md. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $34.9 $27.7 Per share NA NA ROA 0.79% 0.64% ROE 6.76% 5.59% Net interest margin 3.72% 3.88% Net interest income 140.0 146.0 Noninterest income 96.9 89.2 Noninterest expense 163.8 184.0 Year to Date 1998 1997 Net income $218.1 $151.2 Per share NA NA ROA 1.28% 1.07% ROE 11.36% 9.66% Balance Sheet 12/31/98 12/31/97 Assets $18,294.0 $17,792.0 Deposits 12,257.0 12,464.0 Loans 10,407.0 9,915.0
City National Corp. Beverly Hills, Calif. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $24.7 $21.7 Per share 0.52 0.45 Year to Date 1998 1997 Net income $96.2 $80.1 Per share 2.00 1.68 Balance Sheet 12/31/98 12/31/97 Assets $6,427.8 $5,252.0 Deposits 4,887.4 4,228.3 Loans 4,395.1 3,687.4
Pacific Century Financial Corp. Honolulu Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $35.0 $33.1 Per share 0.43 0.41 ROA 0.93% 0.90% ROE 11.72% 11.53% Net interest margin 4.15% 4.09% Net interest income 143.7 138.1 Noninterest income 55.5 53.7 Noninterest expense 131.1 128.9 Year to Date 1998 1997 Net income $107.0 $139.5 Per share 1.32 1.72 ROA 0.72% 0.98% ROE 9.21% 12.57% Balance Sheet 12/31/98 12/31/97 Assets $15,016.6 $14,995.5 Deposits 9,576.3 9,607.7 Loans 9,642.7 9,324.0
Charter One Financial Inc. Cleveland, Ohio Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income ($18.3) $4.0 Per share (0.10) 0.02 ROA 1.39% 1.26% ROE 17.68% 17.30% Net interest margin 3.34% 3.11% Net interest income 186.4 174.5 Noninterest income 58.3 14.7 Noninterest expense 166.1 168.2 Year to Date 1998 1997 Net income $215.4 $194.4 Per share 1.26 1.15 ROA 1.31% 1.17% ROE 16.97% 16.00% Balance Sheet 12/31/98 12/31/97 Assets $24,467.3 $24,207.7 Deposits 15,165.1 14,029.7 Loans 17,502.7 15,521.8
LaSalle National Corp. Chicago Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $83.3 $64.7 Per share NA NA ROA 1.18% 1.06% ROE 19.27% 16.59% Net interest margin 3.50% 3.66% Net interest income 219.9 197.9 Noninterest income 78.4 53.6 Noninterest expense 145.7 125.2 Year to Date 1998 1997 Net income $306.9 $253.4 Per share NA NA ROA 1.18% 1.11% ROE 18.42% 17.38% Balance Sheet 12/31/98 12/31/97 Assets $28,982.5 $24,875.9 Deposits 16,193.1 16,214.2 Loans 18,826.3 15,685.5
United Bankshares Inc. Parkersburg, W.Va. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $6.1 $13.4 Per share 0.14 0.31 Year to Date 1998 1997 Net income $44.4 $52.3 Per share 1.02 1.22 Balance Sheet 12/31/98 12/31/97 Assets $4,567.8 $4,094.8 Deposits 3,465.2 3,186.0 Loans 3,333.9 2,755.5
Provident Bankshares Corp. Baltimore, Md. Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $10.1 $9.0 Per share 0.40 0.35 Year to Date 1998 1997 Net income $39.0 $25.0 Per share 1.54 1.01 Balance Sheet 12/31/98 12/31/97 Assets $4,675.5 $3,926.7 Deposits 3,419.6 2,754.5 Loans 3,100.2 2,701.1
Sanwa Bank California Los Angeles Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $24.0 $22.0 Per share NA NA ROA 1.15% 1.11% ROE 12.05% 11.78% Net interest margin 4.86% 4.96% Net interest income 94.0 92.0 Noninterest income 23.0 21.0 Noninterest expense 71.0 71.0 Year to Date 1998 1997 Net income $104.0 $90.0 Per share NA NA ROA 1.27% 1.13% ROE 13.09% 12.11% Balance Sheet 12/31/98 12/31/97 Assets $8,649.0 $8,091.0 Deposits 7,010.0 6,414.0 Loans 6,588.0 6,310.0
Washington Federal Inc. Seattle, Wash. Dollar amounts in millions (except per share) First Quarter 1Q99 1Q98 Net income $28.3 $27.1 Per share 0.55 0.51
Year to Date 1998 1997 (last 4 quarters) Net income $113.1 $108.0 Per share 2.16 2.04 Balance Sheet 12/31/98 12/31/97 Assets $5,723.1 $5,713.3 Deposits 3,260.5 2,982.2 Loans 4,129.1 4,206.4
* fiscal year ended Sept. 30
Zions Bancorp. Salt Lake City, Utah Dollar amounts in millions (except per share) Fourth Quarter 4Q98 4Q97 Net income $32.1 $31.8 Per share 0.40 0.43 ROA 0.75% 1.12% ROE 12.56% 16.39% Net interest margin 4.53% 4.53% Net interest income 177.3 115.8 Noninterest income 58.5 36.0 Noninterest expense 183.0 99.9 Year to Date 1998 1997 Net income $146.8 $134.3 Per share 1.91 1.84 ROA 1.11% 1.29% ROE 16.38% 19.08% Balance Sheet 12/31/98 12/31/97 Assets $16,662.6 $10,869.2 Deposits 13,321.2 7,956.2 Loans 10,642.5 5,668.9 ===
