+++

Westamerica Bancorporation

San Rafael, Calif.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $18.1 $2.8

Per share 0.42 0.07

Year to Date 1997 1996

Net income $36.2 $12.2

Per share 0.83 0.28

Balance Sheet 6/30/98 6/30/97

Assets $3,864.0 $3,750.0

Deposits 3,071.0 3,117.0

Loans 2,240.0 2,218.0

Trustmark Corp.

Jackson, Miss.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $20.5 $17.5

Per share 0.28 0.24

Year to Date 1997 1996

Net income $40.1 $35.2

Per share 0.55 0.46

Balance Sheet 6/30/98 6/30/97

Assets $5,856.8 $5,269.5

Deposits 3,965.4 3,697.4

Loans 3,308.1 2,729.9

Southtrust Corp.

Birmingham, Ala.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $89.5 $75.4

Per share 0.55 0.50

ROA 1.07% 1.06%

ROE 14.31% 16.01%

Net interest margin 3.78% 3.97%

Net interest income 290.1 262.0

Noninterest income 93.1 64.0

Noninterest expense 222.9 182.2

Year to Date 1998 1997

Net income $175.9 $146.3

Per share 1.09 0.98

ROA 1.09% 1.08%

ROE 14.51% 16.00%

Balance Sheet 6/30/98 6/30/97

Assets $34,667.9 $29,192.9

Deposits 21,150.8 18,679.4

Loans 24,654.1 21,105.9

Keystone Financial Inc.

Harrisburg, Pa.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $25.3 $15.0

Per share 0.48 0.29

Year to Date 1997 1996

Net income $49.4 $37.8

Per share 0.94 0.72

Balance Sheet 6/30/98 6/30/97

Assets $6,898.9 $6,880.8

Deposits 5,179.0 5,311.5

Loans 4,616.7 4,592.8

Riggs National Corp.

Washington D.C.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $14.5 $10.6

Per share 0.37 0.25

Year to Date 1997 1996

Net income $30.2 $21.1

Per share 0.78 0.50

Balance Sheet 6/30/98 6/30/97

Assets $5,792.3 $5,366.0

Deposits 4,263.7 4,062.7

Loans 3,149.9 2,651.0

Regions Financial Corp.

Birmingham, Ala.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $89.6 $77.5

Per share 0.59 0.52

ROA 1.40% 1.40%

ROE 16.61% 16.07%

Net interest margin 4.20% 4.38%

Net interest income 245.5 221.8

Noninterest income 81.3 65.5

Noninterest expense 180.5 160.9

Year to Date 1998 1997

Net income $175.8 $151.8

Per share 1.15 1.02

ROA 1.40% 1.39%

ROE 16.63% 16.04%

Balance Sheet 6/30/98 6/30/97

Assets $26,515.7 $22,720.3

Deposits 20,197.6 18,108.1

Loans 18,472.9 16,288.6

Union Planters Corp.

Memphis, Tenn.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $78.0 $68.0

Per share 0.90 0.80

ROA 1.70% 1.52%

ROE 17.57% 16.81%

Net interest margin 4.76% 4.82%

Net interest income 196.0 195.0

Noninterest income 111.0 84.0

Noninterest expense 162.0 153.0

Year to Date 1998 1997

Net income $153.0 $135.0

Per share 1.76 1.59

ROA 1.69% 1.51%

ROE 17.54% 16.98%

Balance Sheet 6/30/98 6/30/97

Assets $18,637.0 $18,035.0

Deposits 13,463.0 13,370.0

Loans 12,491.0 12,621.0

Northern Trust Corp.

Chicago

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $87.2 $75.4

Per share 0.75 0.65

ROA 1.32% 1.27%

ROE 20.48% 20.01%

Net interest margin 2.14% 2.20%

Net interest income 128.2 117.7

Noninterest income 265.7 223.2

Noninterest expense 247.7 217.0

Year to Date 1998 1997

Net income $172.1 $147.1

Per share 1.48 1.26

ROA 1.32% 1.28%

ROE 20.60% 19.96%

Balance Sheet 6/30/98 6/30/97

Assets $29,777.0 $26,051.0

Deposits 17,124.3 15,891.1

Loans 13,617.7 11,958.1

Marshall & Ilsley Corp.

Milwaukee, Wis.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $62.2 $59.4

Per share 0.54 0.58

ROA 1.21% 1.50%

ROE 11.86% 17.03%

Net interest margin 3.70% 3.99%

Net interest income 168.0 140.9

Noninterest income 184.5 140.8

Noninterest expense 251.0 188.0

Year to Date 1998 1997

Net income $137.7 $116.7

Per share 1.19 1.14

ROA 1.36% 1.49%

ROE 13.34% 17.01%

Balance Sheet 6/30/98 6/30/97

Assets $20,983.2 $16,437.5

Deposits 14,607.2 11,848.9

Loans 13,186.3 10,328.1

Mercantile Bancorp.

St. Louis, Mo.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $95.0 $32.2

Per share 0.70 0.28

ROA 1.20% 1.33%

ROE 15.10% 16.38%

Net interest margin 3.54% 4.30%

Net interest income 242.6 215.6

Noninterest income 104.5 87.9

Noninterest expense 201.4 220.5

Year to Date 1998 1997

Net income $198.9 $107.2

Per share 1.47 0.93

ROA 1.28% 1.36%

ROE 15.83% 16.00%

Balance Sheet 6/30/98 6/30/97

Assets $31,435.2 $22,579.6

Deposits 21,879.8 16,954.4

Loans 19,650.5 15,421.3

Hubco Inc.

Mahwah, N.J.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $.26 $14.2

Per share 0.01 0.46

Year to Date 1997 1996

Net income $10.8 $27.7

Per share 0.37 0.89

Balance Sheet 6/30/98 6/30/97

Assets $5,109.6 $4,797.5

Deposits 3,865.5 3,818.5

Loans 2,766.6 2,882.7

HSBC Americas Inc.

Buffalo, N.Y.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $126.2 $116.1

Per share NA NA

ROA 1.53% 1.55%

ROE 24.16% 22.90%

Net interest margin 3.58% 4.02%

Net interest income 293.9 299.7

Noninterest income 114.7 88.9

Noninterest expense 194.6 196.4

Year to Date 1998 1997

Net income $249.4 $230.6

Per share NA NA

ROA 1.57% 1.69%

ROE 24.01% 23.32%

Balance Sheet 6/30/98 6/30/97

Assets $34,277.8 $32,872.7

Deposits 25,955.9 23,285.6

Loans 20,549.1 20,476.6

Hibernia Corp.

New Orleans, La.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $42.8 $36.4

Per share 0.27 0.23

ROA 1.38% 1.36%

ROE 14.14% 13.55%

Net interest margin 4.63% 4.85%

Net interest income 130.8 116.7

Noninterest income 45.7 38.8

Noninterest expense 105.0 99.5

Year to Date 1998 1997

Net income $82.4 $70.9

Per share 0.52 0.45

ROA 1.34% 1.34%

ROE 13.74% 13.28%

Balance Sheet 6/30/98 6/30/97

Assets $12,604.7 $11,074.9

Deposits 9,715.6 9,190.0

Loans 8,924.6 7,147.3

Harris Bank

Chicago

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $50.3 $43.3

Per share NA NA

ROA 0.87% 0.83%

ROE 12.12% 11.11%

Net interest margin 2.99% 3.71%

Net interest income 150.4 171.5

Noninterest income 112.8 93.9

Noninterest expense 177.1 177.0

Year to Date 1998 1997

Net income $100.6 $88.4

Per share NA NA

ROA 0.90% 0.86%

ROE 12.20% 11.49%

Balance Sheet 6/30/98 6/30/97

Assets $24,119.0 $22,119.0

Deposits 16,816.0 16,313.0

Loans 13,337.0 12,414.0

Golden State Bancorp

Glendale, Calif.

Dollar amounts in millions (except per share)

Fourth Quarter 4Q98 4Q97

Net income $39.3 $24.3

Per share 0.51 0.36

ROA 0.88% 0.62%

ROE 12.19% 9.32%

Net interest margin 2.89% 2.68%

Net interest income 119.7 99.9

Noninterest income 29.4 23.7

Noninterest expense 77.2 67.8

Year to Date 1998 1997

Net income $128.7 $50.4

Per share 1.78 0.64

ROA 0.78% 0.33%

ROE 11.42% 5.14%

Balance Sheet 6/30/98 6/30/97

Assets $18,117.0 $16,218.0

Deposits 10,698.0 9,357.0

Loans 13,743.0 11,886.0

Fulton Financial Corp.

Lancaster, Pa.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $20.9 $19.1

Per share 0.35 0.32

Year to Date 1997 1996

Net income $41.5 $37.2

Per share 0.69 0.62

Balance Sheet 6/30/98 6/30/97

Assets $5,253.8 $4,927.8

Deposits 4,257.4 4,071.4

Loans 3,757.4 3,593.2

FirstMerit Corp.

Akron, Ohio

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $24.1 $21.3

Per share 0.38 0.34

Year to Date 1997 1996

Net income $46.1 $41.5

Per share 0.73 0.65

Balance Sheet 6/30/98 6/30/97

Assets $6,179.4 $5,317.1

Deposits 4,878.9 4,202.8

Loans 4,295.9 3,877.7

Compass Bancshares Inc.

Birmingham, Ala.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $45.0 $40.0

Per share 0.63 0.57

ROA 1.27% 1.23%

ROE 17.09% 17.28%

Net interest margin 4.12% 4.24%

Net interest income 131.0 127.0

Noninterest income 55.0 45.0

Noninterest expense 111.0 105.0

Year to Date 1998 1997

Net income $88.0 $78.0

Per share 1.24 1.12

ROA 1.27% 1.22%

ROE 17.07% 17.20%

Balance Sheet 6/30/98 6/30/97

Assets $14,648.0 $13,235.0

Deposits 10,652.0 10,127.0

Loans 8,983.0 8,656.0

CNB Bancshares Inc.

Evansville, Ind.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $23.2 $18.0

Per share 0.68 0.53

Year to Date 1997 1996

Net income $42.8 $35.6

Per share 1.26 1.05

Balance Sheet 6/30/98 6/30/97

Assets $6,660.4 $6,555.5

Deposits 4,691.8 4,598.7

Loans 3,640.1 3,806.3

Commerce Bancorp Inc.

Cherry Hill, N.J.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $12.1 $10.0

Per share 0.64 0.56

Year to Date 1997 1996

Net income $23.6 $19.5

Per share 1.25 1.09

Balance Sheet 6/30/98 6/30/97

Assets $4,449.7 $3,598.0

Deposits 3,862.6 3,187.3

Loans 1,661.6 1,361.9

Charter One Financial Inc.

Cleveland, Ohio

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $68.4 $55.0

Per share 0.52 0.43

ROA 1.38% 1.20%

ROE 18.63% 17.18%

Net interest margin 3.01% 2.96%

Net interest income 142.8 131.3

Noninterest income 47.8 33.9

Noninterest expense 82.9 65.6

Year to Date 1998 1997

Net income $131.9 $106.9

Per share 1.00 0.83

ROA 1.33% 1.18%

ROE 18.32% 16.72%

Balance Sheet 6/30/98 6/30/97

Assets $19,800.0 $18,645.2

Deposits 10,900.0 10,101.1

Loans 13,300.0 11,253.4

Commerce Bancshares Inc.

Kansas City, Mo.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $37.0 $32.0

Per share 0.63 0.54

ROA 1.46% 1.36%

ROE 14.63% 14.11%

Net interest margin 4.58% 4.62%

Net interest income 105.0 98.0

Noninterest income 56.0 42.0

Noninterest expense 93.0 84.0

Year to Date 1998 1997

Net income $72.0 $62.0

Per share 1.21 1.04

ROA 1.42% 1.32%

ROE 14.32% 13.53%

Balance Sheet 6/30/98 6/30/97

Assets $10,336.0 $9,794.0

Deposits 8,678.0 8,359.0

Loans 6,495.0 5,707.0

BancorpSouth Inc.

Tupelo, Miss.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $13.4 $12.3

Per share 0.30 0.27

Year to Date 1997 1996

Net income $26.4 $23.9

Per share 0.59 0.54

Balance Sheet 6/30/98 6/30/97

Assets $4,504.4 $3,821.1

Deposits 3,852.3 3,342.8

Loans 2,907.8 2,584.6

BB&T Corp.

Winston-Salem, N.C.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $122.0 $101.9

Per share 0.85 0.71

ROA 1.56% 1.44%

ROE 20.23% 17.92%

Net interest margin 4.27% 4.52%

Net interest income 299.9 288.2

Noninterest income 129.6 96.9

Noninterest expense 229.4 205.2

Year to Date 1998 1997

Net income $235.8 $201.9

Per share 1.63 1.40

ROA 1.53% 1.47%

ROE 19.50% 17.95%

Balance Sheet 6/30/98 6/30/97

Assets $31,543.5 $28,960.3

Deposits 21,130.0 20,791.9

Loans 21,970.0 17,790.0

Amsouth Bancorp

Birmingham, Ala.

Dollar amounts in millions (except per share)

Second Quarter 2Q98 2Q97

Net income $65.5 $55.9

Per share 0.54 0.45

ROA 1.34% 1.24%

ROE 18.48% 16.32%

Net interest margin 3.91% 4.09%

Net interest income 174.6 169.6

Noninterest income 108.4 65.8

Noninterest expense 158.2 131.4

Year to Date 1998 1997

Net income $127.5 $110.5

Per share 1.04 0.88

ROA 1.34% 1.23%

ROE 18.22% 16.13%

Balance Sheet 6/30/98 6/30/97

Assets $19,982.1 $18,353.3

Deposits 12,958.3 12,613.7

Loans 12,436.5 12,117.6 ===

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