Definitions and Methodology Data Sources: Data are provided by SNL Securities, Charlottesville, Va. The SNL data were taken from SNL Bank DataSource, which contains GAAP financials on market and per share data on all publicly traded commercial banks and bank holding companies as well as the large foreign-bank owned holding companies. In addition, data from American Banker s quarterly earnings roundup are also used.

A listing of the 63 banking companies in the study appears above. The companies are divided into three peer groups: peer group 1 - 10 mega banking companies (defined above) peer group 2 - 25 superregional banking firms (defined above); and peer group 3 - 28 large regional banking companies (defined above). In the table above, entitled Performance Study Peer Groups, the companies are listed in order of their asset size on March 31, 1995, within their respective peer group.

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