First Call's 4Q Earnings Consensus

+++ Top 25 bank holding companies, as measured by market capitalization Compilations of forecasts by analysts covering each institutions

Forecast

earnings % change % change Forecast standard

per from from standard deviation/

share 3Q '94 4Q '93 deviation mean Banc One $0.31 -54.40% -58.70% 0.24 77.40% Bank of New York 0.98 2.1 27.3 0.04 4.1 BankAmerica 1.4 3.7 15.7 0.03 2.1 Bankers Trust 1.45 -26.8 -55.5 0.31 21.4 Barnett Banks 1.2 1.7 11.1 0.01 0.8 Chase Manhattan 1.19 -20.1 -22.2 0.13 10.9 Chemical Banking 1.02 -36.3 -17.1 0.34 33.3 Citicorp 1.46 -12.6 37.7 0.07 4.8 First Bank System 0.93 3.3 14.8 0.01 1.1 First Chicago 1.53 1.3 -13.6 0.06 3.9 First Fidelity 1.31 0.8 10.1 0.01 0.8 First Interstate 2.53 69.8 33.2 0.11 4.3 First Union 1.28 -5.2 14.3 0.12 9.4 Fleet Financial 1.08 6.9 27.1 0.04 3.7 Keycorp 0.83 -9.8 69.4 0.05 6 Mellon Bank 0.26 -74.5 -74 0.35 134.6 J.P. Morgan 0.87 -46.6 -54.7 0.14 16.1 NBD Bancorp 0.92 -1.1 27.8 0.02 2.2 National City 0.71 2.9 14.5 0.01 1.4 NationsBank 1.54 0 13.2 0.04 2.6 Norwest 0.64 3.2 12.3 0.02 3.1 PNC Bank 0.52 -34.2 -27.8 0.28 53.8 SunTrust Banks 1.12 0.9 15.5 0.01 0.9 Wachovia 0.81 1.3 14.1 0.01 1.2 Wells Fargo 3.94 2.1 23.9 0.14 3.6 ===