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Popular Inc.

San Juan, P.R.

Dollar amounts in millions (except per share)

Second Quarter 2Q99 2Q98

Net income $64.0 $57.5

Per share 0.46 0.41

ROA 1.08% 1.16%

ROE 15.53% 15.50%

Net interest margin 4.58% 4.93%

Net interest income 238.9 214.4

Noninterest income 86.9 72.9

Noninterest expense 205.2 175.0

Year to Date 1999 1998

Net income $127.7 $112.3

Per share 0.91 0.80

ROA 1.11% 1.15%

ROE 15.78% 15.43%

Balance Sheet 6/30/99 6/30/98

Assets $23,678.6 $19,997.6

Deposits 13,915.4 12,102.6

Loans 13,887.4 11,753.2

Amsouth Bancorp.

Birmingham, Ala.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $74.2 $65.5

Per share 0.42 0.36

ROA 1.46% 1.34%

ROE 20.87% 18.48%

Net interest margin 4.09% 3.91%

Net interest income 189.0 174.6

Noninterest income 88.1 108.4

Noninterest expense 154.8 158.2

Year to Date 1999 1998

Net income $144.6 $127.5

Per share 0.81 0.70

ROA 1.45% 1.34%

ROE 20.47% 18.22%

Balance Sheet 6/30/99 6/30/98

Assets $20,592.0 $19,982.1

Deposits 13,076.5 12,958.3

Loans 13,084.3 12,436.5

Hibernia Corp.

New Orleans, La.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $47.4 $44.3

Per share 0.29 0.27

ROA 1.31% 1.37%

ROE 13.96% 13.97%

Net interest margin 4.39% 4.61%

Net interest income 147.6 139.0

Noninterest income 52.7 46.6

Noninterest expense 111.6 108.8

Year to Date 1999 1998

Net income $76.9 $85.5

Per share 0.46 0.51

ROA 1.07% 1.33%

ROE 11.34% 13.62%

Balance Sheet 6/30/99 6/30/98

Assets $14,734.6 $13,143.2

Deposits 11,328.9 10,202.8

Loans 10,334.0 9,009.3

National Commerce Bancorp.

Memphis, Tenn.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $24.8 $20.5

Per share 0.24 0.20

ROA 1.64% 1.64%

ROE 22.01% 21.54%

Net interest margin 4.07% 4.22%

Net interest income 54.3 47.7

Noninterest income 23.3 20.9

Noninterest expense 36.8 34.8

Year to Date 1999 1998

Net income $48.9 $40.5

Per share 0.47 0.40

ROA 1.64% 1.67%

ROE 22.49% 21.65%

Balance Sheet 6/30/99 6/30/98

Assets $6,316.7 $5,200.6

Deposits 4,096.3 3,415.8

Loans 3,417.0 2,887.5

Commerce Bancshares Inc.

Kansas City, Mo.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $42.0 $37.0

Per share 0.68 0.60

ROA 1.52% 1.46%

ROE 15.53% 14.63%

Net interest margin 4.61% 4.58%

Net interest income 116.0 106.0

Noninterest income 61.0 56.0

Noninterest expense 105.0 93.0

Year to Date 1999 1998

Net income $80.0 $72.0

Per share 1.30 1.16

ROA 1.46% 1.42%

ROE 15.03% 14.32%

Balance Sheet 6/30/99 6/30/98

Assets $11,067.0 $10,336.0

Deposits 9,229.0 8,678.0

Loans 7,056.0 6,495.0

First Virginia Banks Inc.

Falls Church, Va.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $34.0 $32.0

Per share 0.68 0.62

ROA 1.44% 1.40%

ROE 13.29% 12.51%

Net interest margin 5.07% 5.19%

Net interest income 110.0 110.0

Noninterest income 29.0 29.0

Noninterest expense 81.0 81.0

Year to Date 1999 1998

Net income $79.0 $64.0

Per share 1.56 1.23

ROA 1.66% 1.40%

ROE 15.45% 12.44%

Balance Sheet 6/30/99 6/30/98

Assets $9,446.0 $9,377.0

Deposits 7,922.0 7,896.0

Loans 6,194.0 5,985.0

North Fork Bancorp.

Melville, N.Y.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $58.4 $50.9

Per share 0.42 0.36

ROA 2.05% 2.10%

ROE 27.08% 25.65%

Net interest margin 4.23% 4.65%

Net interest income 115.3 106.9

Noninterest income 21.7 14.9

Noninterest expense 44.1 40.2

Year to Date 1999 1998

Net income $111.9 $58.2

Per share 0.80 0.41

ROA 2.02% 1.18%

ROE 26.40% 15.02%

Balance Sheet 6/30/99 6/30/98

Assets $11,522.3 $9,917.0

Deposits 6,489.5 6,486.4

Loans 6,063.6 5,752.7

BancWest Corp.

Honolulu

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $42.0 $21.7

Per share 0.73 0.69

ROA 1.10% 1.07%

ROE 9.89% 11.68%

Net interest margin 4.64% 4.74%

Net interest income 157.6 86.5

Noninterest income 46.4 31.4

Noninterest expense 121.3 76.4

Year to Date 1999 1998

Net income $82.3 $42.9

Per share 1.43 1.37

ROA 1.10% 1.07%

ROE 9.81% 11.73%

Balance Sheet 6/30/99 6/30/98

Assets $15,363.8 $8,171.3

Deposits 11,595.1 6,198.3

Loans 11,557.8 6,219.1

Mercantile Bankshares Corp.

Baltimore, Md.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $38.9 $36.6

Per share 0.55 0.50

ROA 2.06% 2.04%

ROE 16.13% 15.18%

Net interest margin 5.15% 5.29%

Net interest income 92.2 90.0

Noninterest income 30.1 26.9

Noninterest expense 57.7 54.8

Year to Date 1999 1998

Net income $76.1 $72.1

Per share 1.08 1.00

ROA 2.04% 2.04%

ROE 15.88% 15.24%

Balance Sheet 6/30/99 6/30/98

Assets $7,615.0 $7,326.1

Deposits 5,879.7 5,778.7

Loans 5,249.0 4,887.8

Centura Banks Inc.

Rocky Mount, N.C.

Dollar amounts in millions (except per share) Second Quarter 2Q99 2Q98

Net income $28.8 $25.1

Per share 1.00 0.87

ROA 1.32% 1.23%

ROE 16.58% 15.98%

Net interest margin 4.26% 4.35%

Net interest income 86.0 81.1

Noninterest income 38.8 34.6

Noninterest expense 74.0 72.4

Year to Date 1999 1998

Net income $49.4 $48.6

Per share 1.71 1.70

ROA 1.13% 1.23%

ROE 14.33% 15.89%

Balance Sheet 6/30/99 6/30/98

Assets $8,756.8 $8,203.5

Deposits 6,024.4 5,959.5

Loans 5,766.1 5,334.2 ===

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