+++ Return on Average Assets Rank Rank 6/30/98 6/30/97

'98 %(Ann.) % (Ann.)

1 9 Banc One Corp., Columbus, Ohio 1.69% 0.77%

2 1 Norwest Corp., Minneapolis 1.65 1.61

3 3 First Union Corp., Charlotte, N.C 1.58 1.48

4 9PNC Bank Corp., Pittsburgh 1.52 1.5

5 2 Fleet Financial Group, Boston 1.51 1.59

6 7 Wells Fargo & Co., San Francisco 1.4 1.12

7 4 First Chicago NBD Corp. 1.39 1.43

8 5 Citicorp, New York 1.36 1.41

9 13KeyCorp, Cleveland 1.34 1.31

10 6 BankAmerica Corp., San Francisco 1.33 1.26

11 6 NationsBank Corp., Charlotte, N.C 1.22 1.26

126 (SNational City Corp., Cleveland 1.13 1.55

13 8 Chase Manhattan Corp., New York 0.97 1.09

14 10 J.P. Morgan & Co., New York 0.52 0.67

15 11 Bankers Trust Corp.,New York 0.48 0.65

Mean for group 1.27% 1.25%

Return on Average Common Equity

6/30/98 6/30/97

'98 %(Ann.) % (Ann.)

1 1 Norwest Corp., Minneapolis 23.00%22.40%

2 3 First Union Corp., Charlotte, N.C22.55 20.36

3 2 Citicorp, New York 21.5 20.9

4 10 PNC Bank Corp., Pittsburgh 21.26 19.84

5 6 First Chicago NBD Corp. 20 17.9

6 11 Banc One Corp., Columbus, Ohio 18.75 8.72

7 14 KeyCorp, Cleveland 18.36 18.46

8 7 BankAmerica Corp., San Francisco 18.05 16.62

9 4 Fleet Financial Group, Boston 17.51 19.65

10 5 Chase Manhattan Corp., New York 17 19.2

11 9 NationsBank Corp., Charlotte, N.C15.64 15.18

12 8 Bankers Trust Corp., New York 14.4 15.2

13 12 National City Corp., Cleveland 13.18 17.98

14 10 J.P. Morgan & Co., New York 13 14.9

15 12 Wells Fargo & Co., San Francisco 10.37 8.46

Mean f17.64% 17.05%

Nonperforming Asset Ratio

Rank Rank

'98 6/30/98 6/30/97

1 1 J.P. Morgan & Co., New York 0.23% 0.37%

2 2 First Chicago NBD Corp. 0.4 0.5

3 7 National City Corp., Cleveland 0.45 0.51

4 3 BankAmerica Corp., San Francisco 0.57 0.51

4PNC 0.57 0.83

5 5 Fleet Financial Group, Boston 0.61 0.57

5 5 Norwest Corp., Minneapolis 0.61 0.57

8 8 First Union Corp., Charlotte, N.C 0.66 0.75

9 4 Banc One Corp., Columbus, Ohio (B 0.7 0.53

10 1KeyCorp, Cleveland 0.72 0.84

11 9 NationsBank Corp., Charlotte, N.C 0.8 0.82

12 7 Chase Manhattan Corp., New York 0.81 0.69

13 10 Wells Fargo & Co., San Francisco 1 1.23

14 11 Citicorp, New York (a) 1.9 2.2

15 12 Bankers Trust Corp., New York 4 2.7

Mean for group 0.94% 0.91%

Return on Average Assets

Rank Rank 6/30/98 6/30/97

'98 '97 %(Ann.) % (Ann.)

1 1 Bank of New York Co. 1.91% 1.84%

2 3 U.S. Bancorp, Minneapolis 1.85 1.76

3 2 Mellon Bank Corp., Pittsburgh 1.84 1.81

4 2 (Fifth Third Bancorp, Cincinnati 1.81 1.72

5 5 Comerica Inc., Detroit 1.67 1.48

6 4 HSBC Americas Inc., Buffalo (1) 1.57 1.69

7 12 Summit Bancorp, Princeton, N.J. 1.54 1.32

8 7 BB&T Corp., Winston-Salem, N.C. 1.53 1.47

9 16 Northern Trust Corp., Chicago 1.48 1.26

10 13Crestar Financial Corp., Richmond 1.4 1.37

11 16Huntington Bancshares, Columbus, 1.4 1.3

12 15 Union Bank of California, San Fra 1.38 1.31

13 11 BankBoston Corp. 1.37 1.33

14 14 SunTrust Banks Inc., Atlanta 1.33 1.32

15 8 Wachovia Corp., Winston-Salem, N. 1.28 1.38

16 10 Mercantile Bancorp, St. Louis 1.28 1.36

17 17 LaSalle National Corp., Chicago 1.2 1.11

18 20 Regions Financial Corp., Montgome 1.15 1.02

19 18 SouthTrust Corp., Birmingham, Ala 1.09 1.08

20 19 State Street Corp., Boston 1.03 1.08

21 21 Republic New York Corp. 0.8 0.77

Mean f 1.42% 1.37%

Return on Average Common Equity

Rank Rank 6/30/98 6/30/97

'98 '97 %(Ann.) % (Ann.)

1 3 Bank of New York Co. 24.49%21.36%

2 1 HSBC Americas Inc., Buffalo (2) 24.01 23.32

3 5 Comerica Inc., Detroit 22.33 20.86

4 6 SunTrust Banks Inc., Atlanta 21.87 20.71

5 4 U.S. Bancorp, Minneapolis 21.4 21.1

6 2 Mellon Bank Corp., Pittsburgh 21.2 21.5

7 9 BankBoston Corp. 21.01 18.79

8 7 State Street Corp., Boston 20.8 20.3

9 8 Northern Trust Corp., Chicago 20.6 19.96

10 10 BB&T Corp., Winston-Salem, N.C. 19.5 17.95

11 12 LaSalle National Corp., Chicago 18.21 17.59

126 (LFifth Third Bancorp, Cincinnati 18.2 18.3

139 (LHuntington Bancshares, Columbus, 17.72 17.75

14 16 Summit Bancorp, Princeton, N.J. 17.46 15.59

15 13 Regions Financial Corp., Montgome16.63 16.04

1619 (Crestar Financial Corp., Richmond16.43 16.27

17 14 Mercantile Bancorp, St. Louis, Mo15.83 16

18 11 Wachovia Corp., Winston-Salem, N.15.71 17.63

19 18 Republic New York Corp. 14.96 14.94

20 17 Union Bank of California, San Fra14.88 15.14

21 15 SouthTrust Corp., Birmingham, Ala14.51 16

Mean f18.94% 18.43%

Nonperforming Asset Ratio

Rank Rank 6/30/98 6/30/97 98 97

1 2 Republic New York Corp. 0.15% 0.23%

2 1 State Street Corp., Boston 0.18 0.19

3 6 Northern Trust Corp., Chicago 0.21 0.49

4 3 Wachovia Corp., Winston-Salem, N. 0.34 0.32

5 4 Comerica Inc., Detroit 0.34 0.34

6 10 SunTrust Banks Inc., Atlanta 0.39 0.57

7 14 Summit Bancorp, Princeton, N.J. 0.41 0.71

8 14 (LCrestar Financial Corp., Richmond 0.48 0.64

9 8 Fifth Third Bancorp, Cincinnati 0.49 0.52

10 11 Bank of New York Co. 0.5 0.6

11 5 BB&T Corp., Winston-Salem, N.C. 0.51 0.48

12 8 (Huntington Bancshares, Columbus, 0.53 0.45

13 13 U.S. Bancorp, Minneapolis 0.54 0.65

14 17 Union Bank of California, San Fra 0.54 0.8

15 9 Mellon Bank Corp., Pittsburgh 0.55 0.57

16 11 LaSalle National Corp., Chicago 0.55 0.63

17 12 Mercantile Bancorp, St. Louis, Mo 0.67 0.62

18 16 SouthTrust Corp., Birmingham, Ala 0.7 0.8

19 15 Regions Financial Corp., Montgome 0.79 0.73

20 20 BankBoston Corp. 0.9 0.9

21 24 HSBC Americas Inc., Buffalo (1) 1.61 1.85

Mean for group 0.54% 0.62%

Return on Average Assets Rank Rank 6/30/98 6/30/97

'98 '97 %(Ann.) % (Ann.)

1 1 MBNA Corp., Newark, Del. 2.99% 2.92%

2 3 Star Banc Corp., Cincinnati 1.87 1.85

3 4 Union Planters Corp., Memphis, Te 1.7 1.52

4 14 First Maryland Bancorp, Baltimore 1.7 1.29

5NR Michigan National Corp., Farmingt 1.56 1.65

6 5 Firstar Corp., Milwaukee 1.53 1.51

7 9 First American Corp., Nashville, 1.49 1.37

8NR Commerce Bancshares, Kansas City, 1.42 1.32

9 8 Old Kent Financial Corp., Grand R 1.38 1.44

10 6 Marshall & Ilsley Corp., Milwauke 1.36 1.49

11NR Hibernia Corp., New Orleans 1.34 1.34

12 15 AmSouth Bancorp, Birmingham, Ala. 1.34 1.23

13NR Zions Bancorp., Salt Lake City, U 1.33 1.36

14 11 First Tennesee National Corp., Me 1.29 1.33

15 10 First Security Corp., Salt Lake C 1.28 1.35

16 17 Compass Bancshares Inc., Birmingh 1.27 1.22

17 7 Citizens Financial Group, Inc., P 1.22 1.48

18 18 Popular Inc., San Juan, P.R. 1.15 1.17

19 12 M&T Bank Corp., Buffalo 1.12 1.3

20NR Associated Banc-Corp., Green Bay, 1.05 0.97

21 20 Harris Bancorp, Chicago (1) 0.9 0.86

22 19 Pacific Century Financial Corp., 0.5 1.04

Mean for group 1.40% 1.41%

Mean Values for all 58 bank insti1.38% 1.35%

Standard Deviation of 58 bank uni0.38% 0.34%

Return on Average Common Equity

Rank Rank 6/30/98 6/30/97

'98 '97 %(Ann.) % (Ann.)

1 1 MBNA Corp., Newark, Del. 32.76%31.46%

2 3 First Tennesee National Corp., Me 20.9 20

3NR Zions Bancorp., Salt Lake City, U19.59 20.4

4NR Associated Banc-Corp., Green Bay,19.44 17.11

5 5 Old Kent Financial Corp., Grand R19.39 18.49

6 2 Star Banc Corp., Cincinnati 19.05 22.23

7 14 AmSouth Bancorp, Birmingham, Ala.18.22 16.13

8 11 Union Planters Corp., Memphis, Te17.54 16.98

9 4 Firstar Corp., Milwaukee 17.41 18.61

10NR Michigan National Corp., Farmingt17.19 17.98

11 15 First American Corp., Nashville, 17.16 15.82

12 8 Compass Bancshares Inc., Birmingh17.07 17.2

13 12 First Security Corp., Salt Lake C16.13 16.75

14 13 Popular Inc., San Juan, P.R. 15.43 16.2

14 20 First Maryland Bancorp, Baltimore15.43 11.39

16NR Commerce Bancshares, Kansas City,14.32 13.53

17 7 M&T Bank Corp., Buffalo 13.89 18.4

18NR Hibernia Corp., New Orleans 13.74 13.28

19 10 Marshall & Ilsley Corp., Milwauke13.34 17.01

20 17 Citizens Financial Group Inc., Pr12.47 12.41

21 18 Harris Bancorp, Chicago (2) 12.2 11.49

22 16 Pacific Century Financial Corp., 6.53 13.37

Mean f16.78% 17.10%

Mean V18.06% 17.69%

Standa 4.52% 3.80%

Nonperforming Asset Ratio

Rank Rank

'98 97 6/30/98 6/30/97

1 1 Harris Bancorp, Chicago (1) 0.30% 0.30%

2 12 Citizens Financial Group Inc., Pr 0.33 0.64

3 3 First American Corp., Nashville, 0.35 0.4

3 4 Star Banc Corp., Cincinnati 0.35 0.42

3 7 First Security Corp., Salt Lake C 0.35 0.45

6 4 Hibernia Corp., New Orleans 0.4 0.42

7 2 Compass Bancshares Inc., Birmingh 0.45 0.39

8 4 Zions Bancorp., Salt Lake City, U 0.48 0.42

8 16 Firstar Corp., Milwaukee 0.48 0.68

10 10 First Tennesee National Corp., Me 0.53 0.63

11 9 Old Kent Financial Corp., Grand R 0.6 0.57

12NR Commerce Bancshares, Kansas City, 0.67 0.73

13 13 Marshall & Ilsley Corp., Milwauke 0.68 0.65

13 16 AmSouth Bancorp, Birmingham, Ala. 0.68 0.73

15NR Associated Banc-Corp., Green Bay, 0.7 0.53

16NR Michigan National Corp., Farmingt 0.78 1.18

17 19 M&T Bank Corp., Buffalo 0.91 0.97

18 18 First Maryland Bancorp, Baltimore 0.93 0.86

19 21 Union Planters Corp., Memphis, Te 0.99 1.15

20 20 Pacific Century Financial Corp., 1.47 1.04

21 24 Popular Inc., San Juan, P.R. 1.89 1.94

22 25 MBNA Corp., Newark, Del. (2) 4.6 4.21

Mean for group 0.86% 0.88%

Mean Values for all 58 bank insti0.76% 0.79%

Standard Deviation of 58 bank uni0.77% 0.65%

Return on Average Assets

Rank Rank 6/30/98 6/30/97

'98 '97 %(Ann.) % (Ann.)

1 3 California Federal Bank, San Fran2.74% 0.93%

2 1 GreenPoint Financial Corp., New Y 1.73 1.58

3 2 Charter One Financial, Inc., Clev 1.33 1.18

4 5 Golden West Financial Corp., Oakl 1.15 0.89

5 10 Dime Bancorp Inc., New York 1.07 0.62

6 6 Washington Mutual Inc., Seattle 1.03 0.84

7 4 H.F. Ahmanson & Co., Irwindale, C 0.97 0.9

8 7 Sovereign Bancorp Inc., Wyomissin 0.92 0.84

9 9 Bank United Corp., Houston 0.88 0.79

10 8 Astoria Financial Corp., Lake Suc 0.83 0.81

11 11 Golden State Bancorp, Glendale, C 0.78 0.33

Mean V 1.22% 0.88%

Standa 0.57% 0.31%

Return on Average Common Equity

Rank Rank 6/30/98 6/30/97

'98 '97 %(Ann.) % (Ann.)

1 7 California Federal Bank, San Fran44.91%13.28%

2 3 Washington Mutual Inc., Seattle 19.05 14.66

3 2 Charter One Financial Inc., Cleve18.32 16.72

4 5 GreenPoint Financial Corp., New Y17.83 14.56

5 9 Dime Bancorp Inc., New York 17.66 11.66

6 1 H.F. Ahmanson & Co., Irwindale, C16.36 18.27

7 4 Sovereign Bancorp Inc., Wyomissin16.33 14.62

8 6 Golden West Financial Corp., Oakl16.13 14.09

9 8 Bank United Corp., Houston 14.49 12.02

10 11 Golden State Bancorp, Glendale, C11.42 5.14

11 10 Astoria Financial Corp., Lake Suc 9.99 10.4

Mean Values for all 11 S&L instit17.90%16.90%

Standard Deviation of 11 S&L univ5.08% 3.93%

Nonperforming Asset Ratio

Rank Rank

'98 97 6/30/98 6/30/97)

1 1 Golden State Bancorp, Glendale, C0.21% 0.40%

2 2 Charter One Financial Inc., Cleve 0.47 0.49

3 3 Bank United Corp., Houston 0.65 0.67

4 7 California Federal Bank, San Fran 0.67 1.01

5 4 Washington Mutual Inc., Seattle 0.74 0.83

6 6 Astoria Financial Corp., Lake Suc 0.84 0.94

7 5 Sovereign Bancorp Inc., Wyomissin 0.92 0.84

8 9 Golden West Financial Corp., Oakl 0.96 1.24

9 8 Dime Bancorp Inc., New York 1.08 1.09

10 10 H.F. Ahmanson & Co., Irwindale, C 1.4 1.61

11 11 GreenPoint Financial Corp., New Y 3.39 4.35

Mean Values for all 11 S&L instit1.03% 1.22%

Standard Deviation of 11 S&L univ0.84% 1.09% ===

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