A lending slowdown, higher provisions for credit card losses, and one- time charges for deposit insurance drove down third-quarter earnings at First Bank System Inc. and Barnett Banks Inc. Each reported a 5% decline in net income, the biggest factor being their payments to replenish the Savings Association Insurance Fund.

First Bank reported income of $137.5 million following an after-tax assessment of $31.6 million. Barnett, also reporting on Wednesday, came in at $127 million, with a $15.3 million charge.

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