+++ Based on total assets on Sept. 30, compared with June 30 and third quarter comparisons of profitability, asset quality, and market performance (dollar amounts in millions)

part 1 of 3

Asset Rank Total Assets

Sep-96 -0.0625 Name of Bank 9/30/96

1 1 Chase Manhattan Corp., New York (r) 322,604

2 2 Citicorp, New York 271,930

3 3 BankAmerica Corp., San Francisco 242,953

4 4 J.P. Morgan & Co., Inc., New York 211,648

5 5 NationsBank Corp., Charlotte, N.C. (a) 187,671

6 6 First Union Corp., Charlotte, N.C. (r) 133,882

7 7 Bankers Trust New York Corp. 120,847

8 9 Wells Fargo & Co., San Francisco 109,176

9 8 First Chicago NBD Corp. (r) 106,694

10 10 Banc One Corp., Columbus, Ohio 98,562

11 11 Fleet Financial Group, Inc., Boston (r) 87,192

12 12 Norwest Corp., Minneapolis 78,428

13 13 PNC Bank Corp., Pittsburgh (r) 69,662

14 14 KeyCorp, Cleveland 65,356

15 16 Bank of Boston Corp. (r) 61,963

16 15 Bank of New York Co., Inc. 52,389

17 18 Republic New York Corp. 50,602

18 17 National City Corp., Cleveland (r) 49,729

19 19 SunTrust Banks, Inc., Atlanta 49,633

20 20 Wachovia Corp., Winston-Salem, N.C. 47,483

21 21 CoreStates Financial Corp, Philadelphia (r 45,198

22 22 Mellon Bank Corp., Pittsburgh 43,676

23 23 Barnett Banks, Inc., Jacksonville, Fla. 41,271

24 24 Boatmen's Bancshares, Inc., St. Louis, Mo. 40,694

25 25 First Bank System, Inc., Minneapolis 36,843

26 26 Comerica, Inc., Detroit 34,342

27 27 U.S. Bancorp, Portland, Ore. (r) 33,213

28 29 Union BanCal Corp., San Francisco (r,F) 28,680

29 28 State Street Boston Corp. 28,445

30 30 SouthTrust Corp., Birmingham, Ala. 24,776

31 32 Summit Bancorp, Princeton, N.J. (r) 22,388

32 33 First of America Bank Corp., Kalamazoo, Mi 22,169

33 31 HSBC Americas, Inc., Buffalo, N.Y. (F) 22,158

35 35 Southern National Corp., Winston-Salem, N. 21,097

36 38 Harris Bank, Chicago (F) 20,876

38 37 Fifth Third Bancorp, Cincinnati 20,087

39 39 Firstar Corp., Milwaukee 19,915

40 43 Regions Financial Corp., Birmingham, Ala. 18,731

41 41 AmSouth Bancorporation, Birmingham, Ala. 18,615

42 40 Crestar Financial Corp., Richmond (r) 18,252

43 42 Mercantile Bancorp. Inc., St. Louis, Mo. ( 18,199

44 44 LaSalle National Corp., Chicago (F) 17,602

46 47 MBNA Corp., Wilmington, Del. 15,562

47 46 Citizens Financial Group, Inc., Providence 14,450

49 48 Bancorp Hawaii, Inc., Honolulu 13,780

50 50 First Security Corp., Salt Lake City, Utah 13,739

51 52 First Empire State Corp., Buffalo, N.Y. 12,821

52 51 First Tennessee National Corp., Memphis 12,801

53 53 Old Kent Financial Corp., Grand Rapids, Mi 12,467

54 57 Compass Bancshares, Inc., Birmingham, Ala. 11,605

55 56 Union Planters Corp., Memphis, Tenn. (r) 11,500

56 55 Signet Banking Corp., Richmond 11,493

57 60 First Maryland Bancorp., Baltimore (F) 10,842

59 59 First American Corp., Nashville, Tenn. (r) 10,028

Totals and means for the 10 Mega banks(M) ($ bil.) $1,806.0

Totals and means for the top 20 superregional (s) ($ bil.) $969.60

Totals and means for the 29 large regional (l) ($ bil.) $474.80

Totals and means for all 59 banks in survey ($bil.) $3,250.3

Median values for the 10 mega banks (M)

Median values for the 20 superregionals (S)

Median values for the 29 large regionals (L)

Median values for all 59 banks in survey

part 2 of 3

Asset Rank Percent Net Income ROAA

Sep-96 -0.0625 Name of Bank Change 3Q96 3Q95 3Q96

1 1 Chase Manhattan Cor 0.26 858 764 1.06

2 2 Citicorp, New York 1.91 935 877 1.4

3 3 BankAmerica Corp., 1.72 683 704 1.12

4 4 J.P. Morgan & Co., 6.48 276 360 0.52

5 5 NationsBank Corp., -2.41 625 530 1.26

6 6 First Union Corp., -4.29 357 380.6 1.07

7 7 Bankers Trust New Y 5.45 176 155 0.57

8 9 Wells Fargo & Co., 0.54 321 261 1.18

9 8 First Chicago NBD C -6.17 358 357 1.29

10 10 Banc One Corp., Col 1.56 355.9 331 1.48

11 11 Fleet Financial Gro -0.61 294.9 268 1.36

12 12 Norwest Corp., Minn 0.74 289 245.2 1.49

13 13 PNC Bank Corp., Pit -3.19 234 210.7 1.35

14 14 KeyCorp, Cleveland 0.91 207 209.6 1.28

15 16 Bank of Boston Corp 21.9 80 174.5 0.53

16 15 Bank of New York Co 1.79 249 234 1.93

17 18 Republic New York C 4.16 107.7 95.2 0.87

18 17 National City Corp. 1.89 185.8 158.9 1.54

19 19 SunTrust Banks, Inc 3.26 155.6 143.7 1.29

20 20 Wachovia Corp., Win 3.11 164.6 151.3 1.44

21 21 CoreStates Financia 3.5 196.9 194.7 1.81

22 22 Mellon Bank Corp., 2.12 181 175 1.71

23 23 Barnett Banks, Inc. -0.97 127 134.1 1.25

24 24 Boatmen's Bancshare 0.03 125.3 133.7 1.24

25 25 First Bank System, 1.82 137.5 145.7 1.56

26 26 Comerica, Inc., Det -2.95 121.5 105.3 1.45

27 27 U.S. Bancorp, Portl 1.29 118.2 114.1 1.46

28 29 Union BanCal Corp., 2.01 62 83.9 0.89

29 28 State Street Boston -1.72 73.6 64.6 1

30 30 SouthTrust Corp., B 4.92 65.7 50.5 1.1

31 32 Summit Bancorp, Pri 0.01 74 62.2 1.33

32 33 First of America Ba -0.16 51 66.7 0.93

33 31 HSBC Americas, Inc. -2.5 101 81 1.89

35 35 Southern National C 2.63 56 64.6 1.08

36 38 Harris Bank, Chicag 6.09 31.6 41.4 0.65

38 37 Fifth Third Bancorp 1.17 79.1 75.2 1.58

39 39 Firstar Corp., Milw 5.86 69.3 67.1 1.42

40 43 Regions Financial C 4.52 50.6 53.8 1.12

41 41 AmSouth Bancorporat 2.62 35.2 46.1 0.77

42 40 Crestar Financial C -1.28 36.8 52.1 0.85

43 42 Mercantile Bancorp. 0.89 55.7 62.8 1.23

44 44 LaSalle National Co 4.88 49 45.9 1.15

46 47 MBNA Corp., Wilming 11.52 129.5 97.3 3.46

47 46 Citizens Financial -1.63 N.A. 21.4 N.A.

49 48 Bancorp Hawaii, Inc 0.66 31.3 32.9 0.91

50 50 First Security Corp 5.39 47.4 39.3 1.44

51 52 First Empire State 2.22 35.9 35.6 1.14

52 51 First Tennessee Nat -1.19 46.8 43.8 1.48

53 53 Old Kent Financial 1.89 40.3 38.3 1.3

54 57 Compass Bancshares, 7.66 25.8 30.3 0.93

55 56 Union Planters Corp 1.16 34 38 1.2

56 55 Signet Banking Corp -0.29 29.6 30.1 1.04

57 60 First Maryland Banc 10.64 33.7 31 1.31

59 59 First American Corp 1.56 27.4 27.7 1.12

Totals 0.76 $4.945 $4.720 1.1

Totals 2.07 $3.176 $3.093 1.33

Totals 2.17 $1.420 $1,423 1.26

Totals 1.37 $9.541 $9.236 1.26

Median values for the 10 mega banks (M) 1.15

Median values for the 20 superregionals (S) 1.36

Median values for the 29 large regionals (L) 1.18

Median values for all 59 banks in survey 1.26

part 3 of 3

Profitability Ratios

Asset Rank ROACE Efficiency

Sep-96 -0.0625 Name of Bank 3Q95 3Q96 3Q95 3Q96

1 1 Chase Manhattan Cor 1 16.68 15.26 57.57

2 2 Citicorp, New York 1.32 18.67 18.05 60.12

3 3 BankAmerica Corp., 1.22 13.52 14.26 54.94

4 4 J.P. Morgan & Co., 0.83 10.02 14.46 72.98

5 5 NationsBank Corp., 1.11 19.04 18.46 55.96

6 6 First Union Corp., 1.26 15.91 17.83 57.34

7 7 Bankers Trust New Y 0.57 13.42 12.54 79.39

8 9 Wells Fargo & Co., 2.09 8.69 27.52 57.78

9 8 First Chicago NBD C 1.14 16.2 16.79 51.46

10 10 Banc One Corp., Col 1.53 16.88 16.91 57.65

11 11 Fleet Financial Gro 1.28 16.54 15.83 58.48

12 12 Norwest Corp., Minn 1.44 20.11 20.57 58.55

13 13 PNC Bank Corp., Pit 1.12 16.23 14.53 57.22

14 14 KeyCorp, Cleveland 1.26 16.82 17.94 60.71

15 16 Bank of Boston Corp 1.23 6.72 15.79 56.24

16 15 Bank of New York Co 1.8 19.53 19.16 52.18

17 18 Republic New York C 0.91 13.81 13.37 54.73

18 17 National City Corp. 1.29 17.64 16.46 58.18

19 19 SunTrust Banks, Inc 1.33 13.2 14.05 58.8

20 20 Wachovia Corp., Win 1.42 18.13 17.47 51.67

21 21 CoreStates Financia 1.75 19.84 20.89 53.72

22 22 Mellon Bank Corp., 1.71 19.25 17.14 60.47

23 23 Barnett Banks, Inc. 1.3 15.34 16.02 55.55

24 24 Boatmen's Bancshare 1.32 13.81 15.49 55.37

25 25 First Bank System, 1.78 17.2 20.83 46.86

26 26 Comerica, Inc., Det 1.22 17.99 16.81 53.7

27 27 U.S. Bancorp, Portl 1.51 16.72 17.34 54

28 29 Union BanCal Corp., 1.29 10.18 14.21 62.44

29 28 State Street Boston 0.97 18.36 17 74.22

30 30 SouthTrust Corp., B 1.04 15.98 15.89 53.56

31 32 Summit Bancorp, Pri 1.18 15.69 14.54 50.8

32 33 First of America Ba 1.14 11.71 15.29 60.06

33 31 HSBC Americas, Inc. 1.72 21.36 18.08 53.75

35 35 Southern National C 1.25 13.63 15.91 52.6

36 38 Harris Bank, Chicag 0.93 8.1 13.48 63.45

38 37 Fifth Third Bancorp 1.81 15.47 18.51 41.04

39 39 Firstar Corp., Milw 1.46 18.11 17.47 55.99

40 43 Regions Financial C 1.28 13.55 15.36 54.93

41 41 AmSouth Bancorporat 1.1 10.14 13.49 54.72

42 40 Crestar Financial C 1.25 10.42 14.74 58.99

43 42 Mercantile Bancorp. 1.41 14.28 15.75 57.39

44 44 LaSalle National Co 1.24 22.09 24.09 54.16

46 47 MBNA Corp., Wilming 3.23 37.47 39.1 60.52

47 46 Citizens Financial 0.84 N.A. 11.94 70.27

49 48 Bancorp Hawaii, Inc 1.06 11.85 12.69 64.68

50 50 First Security Corp 1.3 17.64 15.58 57.9

51 52 First Empire State 1.2 16.73 17.79 56.44

52 51 First Tennessee Nat 1.51 20.82 21.5 65.21

53 53 Old Kent Financial 1.31 16.32 15.53 58.05

54 57 Compass Bancshares, 1.21 13.87 17.52 62.34

55 56 Union Planters Corp 1.38 13.42 16.49 55.33

56 55 Signet Banking Corp 1.12 13.71 14.63 62.87

57 60 First Maryland Banc 1.27 11.33 11.01 64.6

59 59 First American Corp 1.28 13.04 15.92 63.25

Total 1.21 14.95 17.21 60.52

Total 1.35 16.17 16.84 56.83

Total 1.33 15.66 16.71 58.73

Total 1.32 15.71 16.84 58.39

Median values for the 10 mega banks 1.18 16.06 16.85 57.61

Median values for the 20 superregion 1.30 16.77 16.64 55.90

Median values for the 29 large regio 1.25 14.17 15.75 57.90

Median values for all 59 banks in su 1.27 15.95 16.02 57.39

part 3 of 4

Asset Quality

Asset Rank NPA/Assets Market-to-Book

Sep-96 -0.0625 Name 3Q95 3Q96 3Q95 3Q96 3Q95

1 1 Chase Man 61.4 0.47 0.61 190.64 148.73 2

2 2 Citicorp, 58.87 1.91 2.5 232.73 186.23

3 3 BankAmeri 57.01 0.74 1.07 161.28 128.51

4 4 J.P. Morg 64.32 0.08 0.11 168.9 156.76

5 5 NationsBa 55.87 0.6 0.57 189.81 152.84

6 6 First Uni 60.62 0.62 0.67 208.99 166.23

7 7 Bankers T 75.83 0.67 1.15 152.02 135.83

8 9 Wells Far 51.7 0.88 1.66 173.98 260.27

9 8 First Chi 55.32 0.31 0.27 166.91 153.25

10 10 Banc One 57.69 0.49 0.5 213.1 184.14

11 11 Fleet Fin 58.81 0.87 0.92 186.19 154.27

12 12 Norwest C 61.09 0.29 0.24 262.4 236.71

13 13 PNC Bank 63.36 0.72 0.84 193.7 158.83

14 14 KeyCorp, 59.32 0.61 0.53 200.82 165.14

15 16 Bank of B 58.01 0.82 0.91 208.11 185.38

16 15 Bank of N 49.07 0.49 0.61 225.61 183.5

17 18 Republic 53.8 0.3 0.2 143.95 141.78

18 17 National 64.41 0.36 0.42 216.25 175.03

19 19 SunTrust 58.66 0.48 0.56 191.32 184.61

20 20 Wachovia 52.8 0.16 j 219.32 203.04

21 21 CoreState 54.01 0.58 0.71 236.99 214.43

22 22 Mellon Ba 59.36 0.48 0.62 225.63 171.26

23 23 Barnett B 57.65 0.61 0.69 190.46 167.83

24 24 Boatmen's 56.27 0.49 0.45 248.89 171.14

25 25 First Ban 49.1 0.4 0.51 292.8 236.72

26 26 Comerica, 56.13 0.38 0.55 235.48 163.41

27 27 U.S. Banc 56.21 0.6 0.61 226.23 168.36

28 29 Union Ban 61.06 0.63 1 123.63 137.59

29 28 State Str 74.29 0.03 0.1 283.33 214.48

30 30 SouthTrus 58.62 0.58 0.51 174.59 158.72

31 32 Summit Ba 55.7 0.82 1.17 202.91 165.29

32 33 First of 59.37 0.58 0.6 181.53 153.73

33 31 HSBC Amer 57.47 2 j N/A N/A

35 35 Southern 53.7 0.37 0.38 219.04 182.29

36 38 Harris Ba 66.46 0.19 0.37 N/A N/A

38 37 Fifth Thi 43.75 0.24 0.16 303.05 233.37

39 39 Firstar C 59.25 0.46 0.48 222.15 185.63

40 43 Regions F 56.19 0.38 0.45 194.09 176.63

41 41 AmSouth B 55.26 0.52 0.61 180.31 160.2

42 40 Crestar F 59.74 0.46 0.51 174.35 166.94

43 42 Mercantil 55.5 0.38 0.4 203.84 176.81

44 44 LaSalle Nj 0.57 j N/A N/A

46 47 MBNA Corp 62.24 0.02 0.01 593 583.69

47 46 Citizens j 0.68 j N/A N/A

49 48 Bancorp H 60.54 0.72 0.44 148.91 134.84

50 50 First Sec 63.14 0.28 0.24 190.18 154.14

51 52 First Emp 60.13 0.53 0.58 190.69 158.96

52 51 First Ten 65.27 0.2 0.27 240.84 223.97

53 53 Old Kent 57.25 0.39 0.41 195.46 172.74

54 57 Compass B 57.91 0.27 0.23 179.22 179.39

55 56 Union Pla 59.16 0.42 0.3 173.17 157.41

56 55 Signet Ba 65.99 0.38 0.46 179.65 184.83

57 60 First Mar 64.64 0.44 j 0.50 N/A N/A

59 59 First Ame 57.5 0.22 0.28 169.31 171.68

Total 59.86 0.68 0.91 185.84 167.28

Total 58.10 0.49 0.56 214.29 176.61

Total 58.83 0.42 0.56 216.28 192.79

Total 58.76 0.52 0.62 209.91 183.18

Median values for the 10 m 58.28 0.61 0.64 181.9 155.01

Median values for the 20 s 58.32 0.49 0.56 217.79 171.2

Median values for the 29 l 59.16 0.42 0.45 192.39 174.69

Median values for all 59 b 58.62 0.48 0.51 194.78 171.2

Data sources: SNL Securities, Clarlottesville, Va., and American Banker's quarterly earnings roundup. (r)- The 1995 data has been restated for subsequent mergers, changes in accounting principles, and revisions. (M)- A mega banking company is a company ranked among the top 10 in assets on Sept. 30. (S)- A superregional banking company is a company with assets between $25 billion (approximately) and $90 billion.. There were 20 such companies on Sept. 30 with asset ranks of 11 to 30. (L)- A large regional banking company is a company with assets between $10 billion and $25 billion. There were 29 such companies on Sept. 30 with asset ranks of 31 through 59. (F)- Owned by a foreign banking company. The return on average assets is annualized net income for the quarter as a percentage of average assets for the quarter.. The return on average common equity is annualized net income for the quarter minus preferred dividends as a percentage of average common shareholders' equity for the quarter. The efficiency ratio is noninterst expense minus foreclosed property expense and amortization of intangibles as a percentage of operating income. It measures how much it costs to generate $1 of operating income.Operating income is noninterest income plus tax equivalent net interest income. NPA/Assets is nonperforming assets as a percentage of end of period assets. Nonperforming assets are the sum of nonaccrual loans, restructured loans and other real estate owned. Market-to-book value is the stock price on Sept 30, divided by the publicly reported book value per share on Sept. 30, expressed as a percentage. The group totals are for assets and net income. The group means are calculated for all of the ratios shown by American Banker by summing all of the values within a peer group and dividing by the total number of respondents in the group. The median is the midpoint of the array of values. All rankings, means and medians for the third quarter of 1995 are for the current reporting panel and are based on the restated data. (j)- Data for the third quarter were not available, so data for the second quarter were used. N.A.- Not available. N/A- Not applicable. American Banker, 1996. ===

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