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Central Fidelity Banks Inc.
Richmond, Va.
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $31.7 $25.1
Per share 0.56 0.42
ROA 1.21% 0.97%
ROE 15.37% 12.41%
Net interest margin 4.16% 3.90%
Net interest income 103.9 96.2
Noninterest income 26.4 21.3
Noninterest expense 69.3 68.1
Year to Date 1997 1996
Net income $93.2 $81.9
Per share 1.62 1.37
ROA 1.20% 1.05%
ROE 15.18% 13.44%
Balance Sheet 9/30/97 9/30/96
Assets $10,450.7 $10,497.0
Deposits 7,819.3 7,966.8
Loans 6,992.8 6,618.9
City National Corp.
Beverly Hills, Calif.
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $20.9 $17.8
Per share 0.44 0.39
Year to Date 1997 1996
Net income $58.5 $49.7
Per share 1.22 1.10
Balance Sheet 9/30/97 9/30/96
Assets $4,974.7 $3,946.6
Deposits 3,814.0 2,940.2
Loans 3,530.1 2,674.2
Compass Bancshares
Birmingham, Ala.
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $39.0 $27.0
Per share 0.59 0.42
ROA 1.22% 0.92%
ROE 17.08% 13.55%
Net interest margin 4.03% 4.06%
Net interest income 118.0 109.0
Noninterest income 47.0 39.0
Noninterest expense 99.0 101.0
Year to Date 1997 1996
Net income $114.0 $99.0
Per share 1.71 1.51
ROA 1.22% 1.17%
ROE 17.16% 16.81%
Balance Sheet 9/30/97 9/30/96
Assets $12,913.0 $12,177.0
Deposits 9,605.0 9,635.0
Loans 8,514.0 7,689.0
First American Corp.
Nashville, Tenn.
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $37.2 $27.4
Per share 0.63 0.47
ROA 1.44% 1.11%
ROE 16.80% 12.97%
Net interest margin 4.07% 3.96%
Net interest income 97.0 90.2
Noninterest income 64.3 57.2
Noninterest expense 99.9 103.2
Year to Date 1997 1996
Net income $106.6 $88.1
Per share 1.81 1.49
ROA 1.41% 1.21%
ROE 16.26% 14.34%
Balance Sheet 9/30/97 9/30/96
Assets $10,562.0 $10,028.4
Deposits 7,701.4 7,551.7
Loans 7,151.7 6,580.8
Mercantile Bankshares Corp.
Baltimore, Md.
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $34.8 $30.0
Per share 0.48 0.43
Year to Date 1997 1996
Net income $99.3 $87.0
Per share 1.39 1.22
Balance Sheet 9/30/97 9/30/96
Assets $7,072.9 $6,546.6
Deposits 5,636.7 5,321.9
Loans 4,979.5 4,509.5
Northern Trust Corp.
Chicago
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $81.0 $66.5
Per share 0.69 0.57
ROA 1.33% 1.26%
ROE 20.68% 18.93%
Net interest margin 2.14% 2.26%
Net interest income 117.6 107.2
Noninterest income 254.7 194.8
Noninterest expense 234.7 191.8
Year to Date 1997 1996
Net income $228.1 $191.4
Per share 1.95 1.62
ROA 1.30% 1.22%
ROE 20.21% 18.59%
Balance Sheet 9/30/97 9/30/96
Assets $26,919.2 $21,360.1
Deposits 15,843.4 13,438.6
Loans 12,223.7 10,909.2
Old National Bancorp
Evansville, Ind.
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $16.7 $14.8
Per share 0.61 0.53
Year to Date 1997 1996
Net income $49.0 $44.7
Per share 1.79 1.58
Balance Sheet 9/30/97 9/30/96
Assets $5,614.6 $5,241.2
Deposits 4,263.7 4,133.0
Loans 3,718.3 3,464.9
Sanwa Bank California
Los Angeles
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $23.0 $17.0
Per share NA NA
ROA 1.15% 0.90%
ROE 12.43% 9.76%
Net interest margin 4.89% 4.86%
Net interest income 92.0 86.0
Noninterest income 21.0 20.0
Noninterest expense 68.0 66.0
Year to Date 1997 1996
Net income $67.0 $49.0
Per share NA NA
ROA 1.13% 0.87%
ROE 12.22% 9.15%
Balance Sheet 9/30/97 9/30/96
Assets $8,127.0 $7,918.0
Deposits 6,208.0 5,978.0
Loans 6,534.0 6,109.0
Valley National Bancorp
Wayne, N.J.
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $21.9 $15.5
Per share 0.52 0.37
Year to Date 1997 1996
Net income $63.2 $52.9
Per share 1.50 1.24
Balance Sheet 9/30/97 9/30/96
Assets $5,175.5 $5,031.3
Deposits 4,511.6 4,459.5
Loans 3,547.4 3,374.7
UMB Financial Corp.
Kansas City, Mo.
Dollar amounts in millions (except per share)
Third Quarter 3Q97 3Q96
Net income $15.1 $14.0
Per share 0.78 0.71
Year to Date 1997 1996
Net income $44.9 $46.6
Per share 2.30 2.32
Balance Sheet 9/30/97 9/30/96
Assets $6,513.0 $6,096.6
Deposits 5,025.1 4,599.9
Loans 2,709.6 2,491.7
