+++

Astoria Financial Corp.

Lake Success, N.Y.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $25.4 $16.9

Per share 0.92 0.83

ROA 0.84% 0.87%

ROE 10.70% 11.18%

Net interest margin 2.49% 2.69%

Net interest income 72.3 50.1

Noninterest income 9.4 6.7

Noninterest expense 37.1 26.4

Year to Date 1998 1997

Net income $71.3 $47.5

Per share 2.56 2.31

ROA 0.83% 0.83%

ROE 10.24% 10.67%

Balance Sheet 9/30/98 9/30/97

Assets $12,713.0 $7,904.4

Deposits 6,093.4 4,559.7

Loans 5,008.4 3,351.0

BOK Financial Corp.

Tulsa, Okla.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $18.8 $16.4

Per share 0.75 0.65

Year to Date 1998 1997

Net income $55.5 $47.8

Per share 2.21 1.91

Balance Sheet 9/30/98 9/30/97

Assets $5,935.0 $5,378.2

Deposits 3,788.3 3,592.1

Loans 3,006.4 2,717.6

First American Corp.

Nashville, Tenn.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $54.9 $60.5

Per share 0.68 0.56

ROA 1.19% 1.41%

ROE 13.91% 16.08%

Net interest margin 4.12% 4.34%

Net interest income 173.9 168.5

Noninterest income 125.5 100.1

Noninterest expense 204.4 168.3

Year to Date 1998 1997

Net income $136.0 $174.4

Per share 1.26 1.60

ROA 1.01% 1.38%

ROE 11.73% 15.72%

Balance Sheet 9/30/98 9/30/97

Assets $18,863.6 $17,427.9

Deposits 13,206.0 13,026.0

Loans 10,512.6 11,498.3

Cullen/Frost Bankers Inc.

San Antonio, Tex.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $22.0 $18.9

Per share 0.80 0.69

Year to Date 1998 1997

Net income $52.9 $54.0

Per share 2.28 1.97

Balance Sheet 9/30/98 9/30/97

Assets $6,409.0 $5,920.0

Deposits 5,466.0 5,116.0

Loans 3,536.0 3,009.0

Associated Banc Corp.

Green Bay, Wis.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $00.0 $00.0

Per share 0.60 0.58

ROA 1.44% 1.40%

ROE 17.72% 17.33%

Net interest margin 3.76% 3.85%

Net interest income 95.1 96.2

Noninterest income 39.3 34.2

Noninterest expense 72.1 68.3

Year to Date 1998 1997

Net income $119.3 $106.2

Per share 1.86 1.66

ROA 1.51% 1.38%

ROE 18.76% 17.09%

Balance Sheet 9/30/98 9/30/97

Assets $10,575.7 $10,707.1

Deposits 8,499.7 8,317.5

Loans 7,088.1 7,011.6

HSBC Americas Inc.

Buffalo, N.Y.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $119.1 $120.0

Per share NA NA

ROA 1.41% 1.58%

ROE 22.47% 22.21%

Net interest margin 3.41% 3.93%

Net interest income 287.8 298.6

Noninterest income 102.1 93.1

Noninterest expense 192.7 202.0

Year to Date 1998 1997

Net income $368.4 $350.6

Per share NA NA

ROA 1.51% 1.65%

ROE 23.49% 22.92%

Balance Sheet 9/30/98 9/30/97

Assets $33,342.1 $31,406.2

Deposits 25,658.3 22,190.8

Loans 20,660.7 21,142.1

One Valley Bancorp

Charleston, W.Va.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $19.0 $16.7

Per share 0.55 0.51

Year to Date 1998 1997

Net income $53.5 $49.8

Per share 1.60 1.52

Balance Sheet 9/30/98 9/30/97

Assets $5,856.4 $5,073.8

Deposits 4,433.6 3,880.4

Loans 3,850.6 3,182.4

Provident Financial Group

Cincinnati, Ohio

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $32.5 $29.5

Per share 0.72 0.67

ROA 1.60% 1.67%

ROE 17.96% 20.64%

Net interest margin 3.88% 3.89%

Net interest income 73.7 65.5

Noninterest income 56.7 48.2

Noninterest expense 71.0 58.8

Year to Date 1998 1997

Net income $94.9 $85.0

Per share 2.11 1.95

ROA 1.63% 1.65%

ROE 18.39% 20.61%

Balance Sheet 9/30/98 9/30/97

Assets $8,206.0 $7,080.0

Deposits 5,102.0 4,984.0

Loans 5,680.0 5,106.0

Riggs National Corp.

Washington D.C.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $17.3 $12.8

Per share 0.46 0.32

Year to Date 1998 1997

Net income $47.5 $33.9

Per share 1.24 0.82

Balance Sheet 9/30/98 9/30/97

Assets $5,734.7 $5,369.6

Deposits 4,163.1 3,985.4

Loans 3,354.8 2,688.4

Silicon Valley Bancshares

Santa Clara, Calif.

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $8.6 $7.3

Per share 0.41 0.35

Year to Date 1998 1997

Net income $24.3 $20.2

Per share 1.16 1.00

Balance Sheet 9/30/98 9/30/97

Assets $3,216.2 $2,405.8

Deposits 2,943.9 2,228.2

Loans 1,402.3 998.7

UST Corp.

Boston

Dollar amounts in millions (except per share)

Third Quarter 3Q98 3Q97

Net income $1.7 $15.3

Per share 0.04 0.36

Year to Date 1998 1997

Net income $37.9 $33.5

Per share 0.88 0.79

Balance Sheet 9/30/98 9/30/97

Assets $5,667.0 $5,424.9

Deposits 4,135.2 4,027.2

Loans 4,116.6 3,760.2

Washington Federal Inc.

Seattle, Wash.

Dollar amounts in millions (except per share)

Fourth Quarter 4Q98 4Q97

Net income $28.3 $27.5

Per share 0.54 0.52

Year to Date 1998 1997

Net income $111.8 $105.1

Per share 2.12 2.01

Balance Sheet 9/30/98 9/30/97

Assets $5,637.0 $5,719.6

Deposits 3,071.2 2,905.4

Loans 4,143.5 4,190.8 ===

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