+++

First Tennessee National Corp.

Memphis

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $54.7 $46.8

Per share 0.85 0.69

ROA 1.61% 1.47%

ROE 24.56% 20.71%

Net interest margin 4.24% 4.18%

Net interest income 123.6 115.0

Noninterest income 180.3 142.4

Noninterest expense 204.1 174.9

Year to Date 1997 1996

Net income $139.6 $126.6

Per share 2.17 1.88

ROA 1.43% 1.35%

ROE 21.53% 19.17%

Balance Sheet 9/30/97 9/30/96

Assets $14,082.4 $12,801.3

Deposits 6,659.0 6,316.3

Loans 8,082.3 7,630.0

Commerce Bancshares

Kansas City, Mo.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $34.0 $31.0

Per share 0.91 0.81

ROA 1.39% 1.32%

ROE 14.32% 13.95%

Net interest margin 4.61% 4.41%

Net interest income 101.0 92.0

Noninterest income 47.0 40.0

Noninterest expense 88.0 80.0

Year to Date 1997 1996

Net income $96.0 $87.0

Per share 2.55 2.26

ROA 1.34% 1.24%

ROE 13.80% 13.09%

Balance Sheet 9/30/97 9/30/96

Assets $10,014.0 $9,414.0

Deposits 8,448.0 8,040.0

Loans 6,089.0 5,391.0

Dime Bancorp

New York

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $39.5 $16.9

Per share 0.38 0.16

ROA 0.78% 0.34%

ROE 15.14% 6.72%

Net interest margin 2.52% 2.44%

Net interest income 120.2 114.7

Noninterest income 30.3 14.6

Noninterest expense 79.2 109.1

Year to Date 1997 1996

Net income $100.2 $72.9

Per share 0.95 0.67

ROA 0.68% 0.49%

ROE 12.83% 9.77%

Balance Sheet 9/30/97 9/30/96

Assets $19,413.6 $19,683.5

Deposits 13,392.3 12,734.3

Loans 12,138.0 10,542.4

First Commerce Corp.

New Orleans

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $31.7 $26.5

Per share 0.77 0.66

ROA 1.36% 1.24%

ROE 16.28% 14.87%

Net interest margin 4.51% 4.82%

Net interest income 96.9 95.1

Noninterest income 52.1 42.2

Noninterest expense 84.3 83.6

Year to Date 1997 1996

Net income $93.6 $89.7

Per share 2.31 2.17

ROA 1.37% 1.42%

ROE 16.81% 16.43%

Balance Sheet 9/30/97 9/30/96

Assets $9,311.0 $8,773.0

Deposits 7,447.0 6,850.0

Loans 6,238.0 5,753.0

First Virginia Banks Inc.

Falls Church, Va.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $34.7 $28.6

Per share 0.67 0.57

ROA 1.55% 1.41%

ROE 13.89% 13.27%

Net interest margin 5.26% 5.15%

Net interest income 106.5 95.1

Noninterest income 29.8 23.9

Noninterest expense 79.9 70.7

Year to Date 1997 1996

Net income $95.5 $85.5

Per share 1.90 1.70

ROA 1.49% 1.40%

ROE 13.76% 13.13%

Balance Sheet 9/30/97 9/30/96

Assets $8,916.5 $8,173.6

Deposits 7,539.1 7,023.4

Loans 5,946.9 5,293.2

Hibernia Corp.

New Orleans

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $34.7 $24.7

Per share 0.26 0.19

ROA 1.40% 1.20%

ROCE 14.73% 12.45%

Net interest margin 4.78% 4.86%

Net interest income 107.7 91.4

Noninterest income 35.2 28.6

Noninterest expense 89.8 89.8

Year to Date 1997 1996

Net income $97.8 $79.6

Per share 0.72 0.62

ROA 1.36% 1.32%

ROCE 14.21% 13.51%

Balance Sheet 9/30/97 9/30/96

Assets $10,100.0 $8,900.0

Deposits 8,100.0 7,500.0

Loans 7,000.0 5,800.0

First Maryland Bancorp.

Baltimore

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $53.5 $33.7

Per share NA NA

ROA 1.23% 1.29%

ROE 11.31% 11.27%

Net interest margin 3.86% 4.36%

Net interest income 141.9 102.0

Noninterest income 119.5 57.4

Noninterest expense 169.3 103.0

Year to Date 1997 1996

Net income $123.5 $96.3

Per share NA NA

ROA 1.26% 1.24%

ROE 11.13% 10.75%

Balance Sheet 9/30/97 9/30/96

Assets $17,264.3 $10,841.9

Deposits 11,852.3 7,498.4

Loans 9,878.3 6,615.2

Signet Bank Corp.

Richmond, Va.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $42.2 $29.6

Per share 0.68 0.49

ROA 1.48% 1.03%

ROE 17.41% 13.63%

Net interest margin 4.78% 4.70%

Net interest income 120.3 118.4

Noninterest income 78.2 68.1

Noninterest expense 113.7 122.9

Year to Date 1997 1996

Net income $73.2 $91.3

Per share 1.19 1.51

ROA 0.86% 1.08%

ROE 10.40% 14.23%

Balance Sheet 9/30/97 9/30/96

Assets $11,271.2 $11,492.6

Deposits 7,712.3 7,834.1

Loans 6,396.4 6,043.6

Star Banc Corp.

Cincinnati

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $50.1 $38.2

Per share 0.58 0.43

ROA 1.90% 1.57%

ROE 23.00% 18.16%

Net interest margin 4.93% 4.91%

Net interest income 117.0 108.5

Noninterest income 53.9 44.5

Noninterest expense 81.2 81.8

Year to Date 1997 1996

Net income $143.0 $116.1

Per share 1.66 1.31

ROA 1.87% 1.61%

ROE 22.49% 18.71%

Balance Sheet 9/30/97 9/30/96

Assets $10,772.4 $9,874.6

Deposits 7,876.0 7,800.4

Loans 8,326.0 7,501.5

Synovus Financial Corp.

Columbus, Ga.

Dollar amounts in millions (except per share)

Third Quarter 3Q97 3Q96

Net income $43.1 $35.2

Per share 0.25 0.20

ROA 1.92% 1.70%

ROE 20.03% 19.02%

Net interest margin 5.26% 5.21%

Net interest income 104.8 95.6

Noninterest income 124.3 109.4

Noninterest expense 154.4 141.5

Year to Date 1997 1996

Net income $118.2 $97.9

Per share 0.68 0.56

ROA 1.81% 1.62%

ROE 19.29% 18.19%

Balance Sheet 9/30/97 9/30/96

Assets $8,997.1 $8,335.2

Deposits 7,399.4 6,877.5

Loans 6,470.9 5,943.7 ===

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