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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 ===

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