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Sovereign Bancorp

Wyomissing, Pa.

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $45.1 $15.1

Per share 0.028 0.09

ROA 0.81% 0.77%

ROE 15.01% 13.21%

Net interest margin 2.80% 2.89%

Net interest income 139.8 120.6

Noninterest income 32.3 22.8

Noninterest expense 95.7 111.4

Balance Sheet 3/31/99 3/31/98

Assets $23,188.1 $19,065.4

Deposits 12,040.0 9,892.7

Loans 11,561.4 11,154.0

Synovus Financial Corp.

Columbus, Ga.

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $48.2 $41.2

Per share 0.18 0.15

ROA 1.88% 1.81%

ROE 18.54% 18.16%

Net interest margin 5.08% 5.22%

Net interest income 118.1 107.5

Noninterest income 159.4 132.3

Noninterest expense 194.4 166.6

Balance Sheet 3/31/99 3/31/98

Assets $10,622.8 $9,376.7

Deposits 8,464.5 7,889.8

Loans 7,628.1 6,255.7

Northern Trust Corp.

Chicago

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $95.1 $84.9

Per share 0.82 0.73

ROA 1.31% 1.32%

ROE 20.62% 20.73%

Net interest margin 2.07% 2.11%

Net interest income 134.5 122.0

Noninterest income 286.1 256.6

Noninterest expense 266.4 236.2

Balance Sheet 3/31/99 3/31/98

Assets $27,554.6 $24,251.8

Deposits 16,592.2 16,166.2

Loans 13,899.3 12,804.5

M&T Bank Corp.

Buffalo, N.Y.

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $66.9 $49.0

Per share 8.34 7.01

ROA 1.34% 1.41%

ROE 16.56% 18.86%

Net interest margin 3.98% 4.39%

Net interest income 183.1 144.7

Noninterest income 72.7 68.9

Noninterest expense 139.5 133.9

Balance Sheet 3/31/99 3/31/98

Assets $20,284.8 $14,570.3

Deposits 14,475.9 11,084.8

Loans 15,506.1 11,754.7

First Security Corp.

Salt Lake City, Utah

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $64.9 $61.4

Per share 0.34 0.32

ROA 1.23% 1.38%

ROE 16.65% 17.62%

Net interest margin 3.92% 4.15%

Net interest income 185.2 166.9

Noninterest income 123.4 108.5

Noninterest expense 192.4 165.8

Balance Sheet 3/31/99 3/31/98

Assets $21,959.2 $19,132.9

Deposits 12,574.0 11,823.0

Loans 12,987.6 12,273.2

North Fork Bancorp.

Melville, N.Y.

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $53.6 $7.4

Per share 0.38 0.05

ROA 2.00% 0.29%

ROE 25.94% 3.88%

Net interest margin 4.36% 4.41%

Net interest income 111.3 106.5

Noninterest income 17.0 11.3

Noninterest expense 43.4 106.8

Balance Sheet 3/31/99 3/31/98

Assets $11,221.1 $9,924.5

Deposits 6,496.9 6,371.1

Loans 5,901.8 5,760.8

Fifth Third Bancorp

Cincinnati

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $150.4 $124.2

Per share 0.55 0.46

ROA 2.08% 1.78%

ROE 19.30% 18.60%

Net interest margin 4.23% 3.87%

Net interest income 284.2 254.7

Noninterest income 175.0 140.1

Noninterest expense 192.8 173.3

Balance Sheet 3/31/99 3/31/98

Assets $29,652.2 $28,983.8

Deposits 18,861.7 18,829.1

Loans 18,041.5 17,461.6

Dime Bancorp

New York

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $55.0 $57.0

Per share 0.49 0.49

ROA 1.01% 1.04%

ROE 15.66% 17.63%

Net interest margin 2.75% 2.63%

Net interest income 135.0 136.0

Noninterest income 149.0 107.0

Noninterest expense 183.0 150.0

Balance Sheet 3/31/99 3/31/98

Assets $21,550.0 $22,024.0

Deposits 13,166.0 13,991.0

Loans 12,480.0 12,663.0

Charter One Financial Inc.

Cleveland

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $88.1 $74.1

Per share 0.52 0.43

ROA 1.45% 1.22%

ROE 18.34% 16.39%

Net interest margin 3.35% 3.14%

Net interest income 194.2 181.1

Noninterest income 53.6 46.3

Noninterest expense 109.8 46.3

Balance Sheet 3/31/99 3/31/98

Assets $24,554.8 $23,914.7

Deposits 15,127.0 14,417.2

Loans 17,245.8 15,981.3

People's Bank

Bridgeport, Conn.

Dollar amounts in millions (except per share)

First Quarter 1Q99 1Q98

Net income $27.9 $25.4

Per share 0.44 0.41

ROA 1.13% 1.21%

ROE 13.30% 13.40%

Net interest margin 4.21% 4.35%

Net interest income 85.0 72.6

Noninterest income 76.7 72.7

Noninterest expense 101.2 89.9

Balance Sheet 3/31/99 3/31/98

Assets $10,004.9 $9,149.5

Deposits 6,913.1 6,626.4

Loans 6,354.7 5,606.4 ===

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