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Commerce Bancshares Inc. Kansas City, Mo. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $34.0 $29.0 Per share 0.58 0.50 ROA 1.38% 1.27% ROE 14.01% 12.95% Net interest margin 4.66% 4.52% Net interest income 104.0 94.0 Noninterest income 50.0 42.0 Noninterest expense 90.0 82.0 Balance Sheet 3/31/98 3/31/97 Assets $10,367.0 $9,649.0 Deposits 8,700.0 8,220.0 Loans 6,316.0 5,426.0

Fifth Third Bancorp. Cincinnati, Ohio Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $109.0 $94.5 Per share 0.46 0.39 ROA 2.00% 1.88% ROE 19.90% 18.70% Net interest margin 4.11% 4.07% Net interest income 197.9 181.3 Noninterest income 126.4 98.6 Noninterest expense 139.9 121.0 Balance Sheet 3/31/98 3/31/97 Assets $22,856.5 $20,176.0 Deposits 14,732.0 13,922.0 Loans 13,594.8 12,250.0

Citizens Banking Corp. Flint, Mich. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $13.5 $10.9 Per share 0.47 0.39 ROA 1.24% 1.03% ROE 13.28% 11.21% Net interest margin 4.89% 4.78% Net interest income 48.8 45.9 Noninterest income 13.0 11.3 Noninterest expense 38.7 38.6 Balance Sheet 3/31/98 3/31/97 Assets $4,497.0 $4,328.0 Deposits 3,720.0 3,630.0 Loans 3,486.0 3,264.0

Commerce Bancorp Inc. Cherry Hill, N.J. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $11.4 $9.4 Per share 0.61 0.53 ROA 1.13% 1.17% ROE 17.29% 18.26% Net interest margin 4.38% 4.78% Net interest income 39.8 34.5 Noninterest income 19.9 12.9 Noninterest expense 40.7 31.2 Balance Sheet 3/31/98 3/31/97 Assets $4,158.7 $3,345.3 Deposits 3,751.4 3,072.5 Loans 1,446.8 1,286.2

Imperial Bancorp Inglewood, Calif. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97

Net income $13.4 $8.0 Per share 0.32 0.20 ROA 1.21% 0.99% ROE 14.89% 10.90% Net interest margin 6.14% 5.74% Net interest income 60.6 40.2 Noninterest income 18.1 16.1 Noninterest expense 50.1 39.7 Balance Sheet 3/31/98 3/31/97 Assets $5,698.4 $3,711.0 Deposits 5,064.0 3,275.2 Loans 3,040.7 2,153.5

Magna Group Inc. St. Louis, Mo. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $20.5 $9.4 Per share 0.61 0.31 ROA 1.16% 0.65% ROE 13.37% 7.26% Net interest margin 3.86% 3.96% Net interest income 62.2 53.2 Noninterest income 24.0 14.0 Noninterest expense 50.0 38.4 Balance Sheet 3/31/98 3/31/97 Assets $7,251.0 $6,773.0 Deposits 5,547.0 5,199.0 Loans 4,379.0 4,358.0

Mercantile Bancorp. Inc. St. Louis, Mo. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $103.9 $75.0 Per share 0.77 0.64 ROA 1.35% 1.38% ROE 16.57% 15.63% Net interest margin 3.54% 4.36% Net interest income 240.3 212.0 Noninterest income 127.2 88.1 Noninterest expense 196.9 165.6 Balance Sheet 3/31/98 3/31/97 Assets $31,801.7 $22,078.3 Deposits 22,527.7 17,354.0 Loans 19,625.0 15,212.7

National Commerce Bancorp. Memphis, Tenn. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $20.0 $15.1 Per share 0.39 0.30 ROA 1.70% 1.44% ROE 21.76% 19.02% Net interest margin 4.21% 3.98% Net interest income 45.5 39.1 Noninterest income 21.0 17.6 Noninterest expense 34.1 29.0 Balance Sheet 3/31/98 3/31/97 Assets $4,992.5 $4,429.2 Deposits 3,509.2 2,966.5 Loans 2,719.2 2,431.3

Northern Trust Corp. Chicago Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $84.9 $71.7 Per share 0.73 0.62 ROA 1.32% 1.30% ROE 20.73% 19.91% Net interest margin 2.11% 2.33% Net interest income 122.0 114.1 Noninterest income 256.6 209.3 Noninterest expense 236.2 206.5 Balance Sheet 3/31/98 3/31/97 Assets $24,251.8 $23,231.8 Deposits 16,166.2 15,213.9 Loans 12,952.2 11,417.3

UMB Financial Corp. Kansas City, Mo. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $15.2 $15.0 Per share 0.74 0.73 ROA 0.87% 0.94% ROE 9.60% 10.41% Net interest margin 4.05% 4.16% Net interest income 56.8 53.6 Noninterest income 38.3 33.6 Noninterest expense 70.5 63.1 Balance Sheet 3/31/98 3/31/97 Assets $6,948.9 $6,443.3 Deposits 5,443.8 5,157.5 Loans 2,717.6 2,602.0

TCF Financial Corp. Minneapolis Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $39.9 $33.0 Per share 0.43 0.40 ROA 1.66% 1.82% ROE 16.99% 21.26% Net interest margin 4.94% 5.31% Net interest income 109.2 90.1 Noninterest income 65.9 46.8 Noninterest expense 101.4 81.1 Balance Sheet 3/31/98 3/31/97 Assets $9,664.8 $7,317.6 Deposits 6,925.0 5,291.9 Loans 6,954.1 5,282.1

Keystone Financial Inc. Harrisburg, Pa. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $24.1 $22.8 Per share 0.46 0.43 ROA 1.44% 1.45% ROE 14.24% 14.15% Net interest margin 4.43% 4.56% Net interest income 71.3 68.5 Noninterest income 24.2 21.1 Noninterest expense 56.1 51.4 Balance Sheet 3/31/98 3/31/97 Assets $6,896.2 $6,402.1 Deposits 5,233.3 5,042.8 Loans 4,648.4 4,284.1

Union Planters Corp. Memphis, Tenn. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $74.6 $66.4 Per share 0.86 0.79 ROA 1.68% 1.49% ROE 17.50% 17.16% Net interest margin 4.80% 4.80% Net interest income 190.7 190.6 Noninterest income 95.7 83.0 Noninterest expense 153.6 148.6 Balance Sheet 3/31/98 3/31/97 Assets $18,413.6 $18,054.9 Deposits 13,581.2 13,386.4 Loans 12,727.7 12,560.8

Star Banc Corp. Cincinnati, Ohio Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $59.3 $45.3 Per share 0.63 0.51 ROA 1.90% 1.83% ROE 20.13% 21.71% Net interest margin 4.73% 4.93% Net interest income 134.1 112.9 Noninterest income 61.3 45.4 Noninterest expense 93.6 76.2 Balance Sheet 3/31/98 3/31/97 Assets $13,856.0 $10,181.0 Deposits 10,375.6 7,940.3 Loans 9,666.6 7,802.8

Amsouth Bancorp. Birmingham, Ala. Dollar amounts in millions (except per share) First Quarter 1Q98 1Q97 Net income $62.0 $54.6 Per share 0.76 0.65 ROA 1.33% 1.23% ROE 17.97% 15.94% Net interest margin 4.04% 4.12% Net interest income 171.7 167.2 Noninterest income 75.8 63.7 Noninterest expense 136.9 128.6 Balance Sheet 3/31/98 3/31/97 Assets $19,390.1 $18,014.5 Deposits 12,989.7 12,389.6 Loans 12,206.9 12,024.9 ===

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