+++

Zions Bancorp.

Salt Lake City, Utah

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

Net income $52.8 $33.0

Per share 0.66 0.44

ROA 1.16% 1.12%

ROE 19.49% 15.90%

Net interest margin 4.38% 4.60%

Net interest income 177.9 124.4

Noninterest income 60.7 47.8

Noninterest expense 151.2 117.4

Year to Date 1999 1998

Net income $101.7 $72.0

Per share 1.27 0.96

ROA 1.15% 1.24%

ROE 19.27% 18.20%

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

Assets $17,605.7 $12,120.4

Deposits 13,070.7 8,551.9

Loans 11,046.7 6,279.4

UMB Financial Corp.

Kansas City, Mo.

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

Net income $16.3 $14.4

Per share 0.82 0.71

ROA 0.89% 0.84%

ROE 9.94% 8.98%

Net interest margin 3.82% 4.06%

Net interest income 59.7 58.1

Noninterest income 44.5 39.6

Noninterest expense 75.5 71.2

Year to Date 1999 1998

Net income $32.7 $29.5

Per share 1.63 1.44

ROA 0.89% 0.85%

ROE 9.97% 9.29%

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

Assets $7,036.5 $7,304.0

Deposits 5,162.4 5,594.9

Loans 2,593.5 2,669.2

S&T Bancorp Inc.

Indiana, Pa.

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

Net income $10.1 $9.4

Per share 0.37 0.34

ROA 1.94% 1.91%

ROE 16.25% 14.85%

Net interest margin 4.61% 4.59%

Net interest income 22.4 21.1

Noninterest income 4.1 3.2

Noninterest expense 10.5 11.0

Year to Date 1999 1998

Net income $20.3 $18.7

Per share 0.74 0.66

ROA 1.98% 1.92%

ROE 16.10% 14.64%

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

Assets $2,131.9 $1,973.5

Deposits 1,392.7 1,314.1

Loans 1,386.3 1,280.4

Pacific Century Financial Corp.

Honolulu

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

Net income $38.5 $3.1

Per share 0.47 0.04

ROA 1.05% 0.08%

ROE 12.72% 1.08%

Net interest margin 4.28% 4.21%

Net interest income 144.6 147.0

Noninterest income 63.6 49.8

Noninterest expense 132.1 151.8

Year to Date 1999 1998

Net income $73.9 $37.1

Per share 0.92 0.47

ROA 1.01% 0.50%

ROE 12.36% 6.53%

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

Assets $14,551.4 $14,731.1

Deposits 9,286.2 9,506.1

Loans 9,181.7 9,053.1

MBNA Corp.

Wilmington, Del.

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

Net income $227.2 $172.0

Per share 0.27 0.21

ROA 3.28% 3.16%

ROE 24.68% 34.25%

Net interest margin 5.29% 4.20%

Net interest income 267.5 167.4

Noninterest income 1,028.5 765.2

Noninterest expense 798.8 575.7

Year to Date 1999 1998

Net income $413.2 $321.4

Per share 0.49 0.40

ROA 3.05% 2.99%

ROE 23.24% 32.76%

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

Assets $27,995.8 $22,902.1

Deposits 16,377.5 13,322.1

Loans 9,605.0 9,127.4

HSBC USA Inc.

Buffalo, N.Y.

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

Net income $113.5 $126.2

Per share NA NA

ROA 1.33% 1.53%

ROE 20.56% 24.16%

Net interest margin 3.61% 3.58%

Net interest income 307.5 294.5

Noninterest income 108.9 114.7

Noninterest expense 203.8 194.6

Year to Date 1999 1998

Net income $234.9 $249.4

Per share NA NA

ROA 1.40% 1.57%

ROE 21.64% 24.01%

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

Assets $34,283.6 $34,277.8

Deposits 26,900.8 25,955.9

Loans 22,752.7 20,549.1 ===

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