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Synovus Financial Corp.
Columbus, Ga.
Dollar amounts in millions (except per share)
Fourth Quarter 4Q97 4Q96
Net income $47.0 $41.7
Per share 0.26 0.24
ROA 2.06% 1.99%
ROE 21.20% 21.69%
Net interest margin 5.28% 5.24%
Net interest income 106.8 97.4
Noninterest income 131.8 116.6
Noninterest expense 155.8 138.8
Year to Date 1997 1996
Net income $165.2 $139.6
Per share 0.93 0.79
ROA 1.87% 1.72%
ROE 19.80% 19.11%
Balance Sheet 12/31/97 12/31/96
Assets $9,260.3 $8,612.3
Deposits 7,707.9 7,203.0
Loans 6,506.8 5,970.5
MBNA Corp.
Wilmington, Del.
Dollar amounts in millions (except per share)
Fourth Quarter 4Q97 4Q96
Net income $188.3 $149.4
Per share 0.35 0.28
ROA 3.63% 3.66%
ROE 40.28% 37.45%
Net interest margin 7.57% 7.63%
Net interest income 153.4 178.2
Noninterest income 783.4 582.0
Noninterest expense 574.4 468.5
Year to Date 1997 1996
Net income $622.5 $474.5
Per share 1.15 0.89
ROA 3.25% 3.26%
ROE 35.56% 34.46%
Balance Sheet 12/31/97 12/31/96
Assets $21,305.5 $17,035.3
Deposits 12,913.2 10,151.7
Loans 8,099.4 7,540.7
Marshall & Ilsley Corp.
Milwaukee, Wis.
Dollar amounts in millions (except per share)
Fourth Quarter 4Q97 4Q96
Net income $71.9 $61.9
Per share 0.65 0.62
ROA 1.49% 1.72%
ROE 15.06% 18.95%
Net interest margin 3.90% 4.16%
Net interest income 165.6 132.9
Noninterest income 170.5 146.5
Noninterest expense 221.9 178.8
Year to Date 1997 1996
Net income $245.1 $203.4
Per share 2.42 2.03
ROA 1.53% 1.49%
ROE 16.77% 15.88%
Balance Sheet 12/31/97 12/31/96
Assets $19,477.5 $14,763.3
Deposits 14,356.0 10,952.4
Loans 12,542.3 9,146.0
Amsouth Bancorp.
Birmingham, Ala.
Dollar amounts in millions (except per share)
Fourth Quarter 4Q97 4Q96
Net income $58.9 $51.6
Per share 0.72 0.61
ROA 1.29% 1.14%
ROE 17.15% 14.79%
Net interest margin 4.07% 4.04%
Net interest income 170.0 169.5
Noninterest income 70.9 60.7
Noninterest expense 135.1 131.2
Year to Date 1997 1996
Net income $226.2 $182.7
Per share 2.73 2.15
ROA 1.25% 1.02%
ROE 16.51% 13.23%
Balance Sheet 12/31/97 12/31/96
Assets $18,622.3 $18,407.3
Deposits 12,945.2 12,467.6
Loans 12,237.7 12,080.2
Star Banc Corp.
Cincinnati, Ohio
Dollar amounts in millions (except per share)
Fourth Quarter 4Q97 4Q96
Net income $51.7 $42.2
Per share 0.58 0.47
ROA 1.92% 1.70%
ROE 22.97% 19.65%
Net interest margin 4.95% 4.93%
Net interest income 118.7 110.6
Noninterest income 55.2 43.9
Noninterest expense 84.9 79.2
Year to Date 1997 1996
Net income $194.8 $158.4
Per share 2.19 1.75
ROA 1.88% 1.63%
ROE 22.62% 18.95%
Balance Sheet 12/31/97 12/31/96
Assets $10,958.9 $10,093.8
Deposits 8,197.6 7,876.3
Loans 8,312.2 7,468.5
