Top 100 Bank Holding Companies in Assets: Summary of Survey

+++ (Dollar amounts in millions) Top 25 in Deposits

Deposits Deposits Rank Rank 12/94 12/93 1 1 Citicorp, New York 155,726 145,089 2 2 BankAmerica Corp., San Francisco 154,394 141,618 3 4 NationsBank Corp., Charlotte, N.C. 100,470 91,113 4 3 Chemical Banking Corp., New York 96,506 98,277 5 5 Chase Manhattan Corp., New York 69,956 71,509 6 6 Banc One Corp., Columbus, Ohio 68,090 60,943 7 7 First Union Corp., Charlotte, N.C. 58,958 53,742 8 22 KeyCorp, Cleveland 48,564 26,618 9 8 First Interstate Bancorp, Los Angeles 48,427 44,701 10 10 J.P. Morgan & Co., Inc., New York 43,085 40,402 11 9 Wells Fargo & Co., San Francisco 42,539 41,826 12 13 Norwest Corp., Minneapolis 36,424 32,573 13 12 Barnett Banks, Inc., Jacksonville, Fla. 35,109 32,634 14 11 PNC Bank Corp., Pittsburgh 35,011 33,115 15 15 Fleet Financial Group, Inc., Providence 34,806 31,085 16 14 Bank of New York Co., Inc. 34,091 32,159 17 17 NBD Bancorp, Inc., Detroit 33,229 29,821 18 16 SunTrust Banks, Inc., Atlanta 32,218 30,486 19 19 First Chicago Corp. 31,666 28,186 20 18 Bank of Boston Corp. 31,356 29,614 21 20 First Fidelity Bancorp., Lawrenceville,

N.J. 28,907 28,143 22 21 Mellon Bank Corp., Pittsburgh 27,570 27,538 23 26 Bankers Trust New York Corp. 24,939 22,800 24 24 National City Corp., Cleveland 24,472 23,063 25 23 Wachovia Corp., Winston-Salem, N.C. 23,069 23,352 Top 25 in Domestic Bank Branches

Branches Branches Rank Rank 12/94 12/93 1 1 NationsBank Corp., Charlotte, N.C. 1,929 1,930 2 2 BankAmerica Corp., San Francisco 1,915 1,905 3 3 Banc One Corp., Columbus, Ohio 1,418 1,331 4 4 First Union Corp., Charlotte, N.C. 1,338 1,302 5 6 KeyCorp, Cleveland 1,272 833 6 5 First Interstate Bancorp, Los Angeles 1,137 1,020 7 7 Fleet Financial Group, Inc., Providence 803 795 8 9 First Fidelity Bancorp., Lawrenceville, N.J.710 647 9 8 SunTrust Banks, Inc., Atlanta 658 656 10 11 Wells Fargo & Co., San Francisco 634 624 11 14 First of America Bank Corp., Kalamazoo 630 572 12 12 Barnett Banks, Inc., Jacksonville, Fla. 628 621 13 10 NBD Bancorp, Inc., Detroit 620 632 14 17 Norwest Corp., Minneapolis 619 498 15 13 National City Corp., Cleveland 614 616 16 15 PNC Bank Corp., Pittsburgh 604 550 17 18 Chemical Banking Corp., New York 595 480 18 41 Citicorp, New York 531 246 19 16 Wachovia Corp., Winston-Salem, N.C. 493 509 20 19 U.S. Bancorp, Portland, Ore. 448 445 21 20 Mellon Bank Corp., Pittsburgh 447 432 22 23 SouthTrust Corp., Birmingham, Ala. 420 394 23 21 Boatmen's Bancshares, Inc., St. Louis, Mo. 410 400 24 33 CoreStates Financial Corp, Philadelphia 402 297 25 24 Comerica, Inc., Detroit 398 385 Top 25 in Assets Per Employee

Ast/Emp. Ast/Emp. Rank Rank 12/94 12/93 1 1 Canadian Imperial Holdings, New York 27,960 25,597 2 2 J.P. Morgan & Co., Inc., New York 9,083 8,812 3 3 Republic New York Corp. 7,451 7,505 4 4 Bankers Trust New York Corp. 6,677 6,787 5 5 Onbancorp, Inc., Syracuse, N.Y. 4,675 3,825 6 7 Chemical Banking Corp., New York 4,069 3,606 7 8 LaSalle National Corp., Chicago 3,850 3,539 8 10 First Chicago Corp. 3,727 3,029 9 20 Shawmut National Corp., Hartford, Conn. 3,387 2,708 10 9 Provident Bancorp, Inc., Cincinnati 3,370 3,243 11 22 Summit Bancorp., Chatham, N.J. 3,369 2,685 12 11 National Westminster Bancorp, Jersey City 3,175 3,015 13 6 Bank of New York Co., Inc. 3,158 3,631 14 12 Chase Manhattan Corp., New York 3,108 2,969 15 13 PNC Bank Corp., Pittsburgh 3,055 2,948 16 24 Citicorp, New York 3,033 2,657 17 29 Citizens Financial Group, Inc., Providence 2,978 2,393 18 15 Bancorp Hawaii, Inc., Honolulu 2,895 2,862 19 17 Central Fidelity Banks Inc., Richmond 2,835 2,794 20 21 Northern Trust Corp., Chicago 2,809 2,701 21 26 First Fidelity Bancorp., Lawrenceville,

N.J. 2,765 2,566 22 18 NationsBank Corp., Charlotte, N.C. 2,759 2,744 23 14 Riggs National Corp., Washington, D.C. 2,725 2,868 24 23 Wells Fargo & Co., San Francisco 2,723 2,666 25 34 Harris Bankcorp, Inc., Chicago 2,711 2,334 Top 25 in Net Interest Margin

NIM(%) NIM(%) Rank Rank 1994 1993 1 1 MBNA Corp., Newark, Del. 7.61 8.76 2 4 CoreStates Financial Corp, Philadelphia 5.80 5.82 3 6 Norwest Corp., Minneapolis 5.66 5.59 4 5 Wells Fargo & Co., San Francisco 5.55 5.74 5 3 Banc One Corp., Columbus, Ohio 5.46 6.29 6 11 U.S. Bancorp, Portland, Ore. 5.35 5.29 7 8 First Virginia Banks, Inc., Falls Church 5.28 5.46 8 17 First Bank System, Inc., Minneapolis 5.28 5.07 9 22 First Interstate Bancorp, Los Angeles 5.14 4.91 10 23 Synovus Financial Corp., Columbus, Ga. 5.11 4.89 11 19 BayBanks, Inc., Boston 5.04 5.00 12 14 Firstar Corp., Milwaukee 5.03 5.21 13 12 Huntington Bancshares, Inc., Columbus 4.96 5.24 14 24 West One Bancorp, Boise, Idaho 4.95 4.87 15 35 First Empire State Corp., Buffalo, N.Y. 4.89 4.76 16 16 Barnett Banks, Inc., Jacksonville, Fla. 4.87 5.07 17 39 Mercantile Bankshares Corp., Baltimore 4.86 4.73 18 10 Premier Bancorp, Inc., Baton Rouge, La. 4.85 5.31 19 13 FirstMerit Corp., Akron, Ohio 4.85 5.23 20 9 KeyCorp, Cleveland 4.83 5.36 21 33 Crestar Financial Corp., Richmond 4.83 4.78 22 78 Midlantic Corp., Edison, N.J. 4.79 4.08 23 32 First Union Corp., Charlotte, N.C. 4.77 4.78 24 49 Michigan National Corp., Farmington Hills 4.74 4.64 25 20 Meridian Bancorp., Inc., Reading, Pa. 4.73 4.96 Top 25 in Tier 1 Capital

$ Tier 1 $ Tier 1 Rank Rank 12/94 12/93 1 1 Citicorp, New York 16,919 13,388 2 2 BankAmerica Corp., San Francisco 13,658 12,019 3 3 Chemical Banking Corp., New York 10,003 9,863 4 4 NationsBank Corp., Charlotte, N.C. 9,511 8,535 5 5 J.P. Morgan & Co., Inc., New York 8,265 7,773 6 6 Chase Manhattan Corp., New York 7,800 7,528 7 7 Banc One Corp., Columbus, Ohio 7,800 6,647 8 8 First Union Corp., Charlotte, N.C. 4,467 4,343 9 10 Bankers Trust New York Corp. 4,400 4,100 10 11 First Chicago Corp. 4,325 4,078 11 26 KeyCorp, Cleveland 4,250 2,045 12 9 PNC Bank Corp., Pittsburgh 4,141 4,151 13 13 Bank of New York Co., Inc. 4,024 3,755 14 15 Norwest Corp., Minneapolis 3,939 3,313 15 14 Fleet Financial Group, Inc., Providence 3,591 3,495 16 12 Wells Fargo & Co., San Francisco 3,562 3,776 17 17 Wachovia Corp., Winston-Salem, N.C. 3,293 2,985 18 24 Mellon Bank Corp., Pittsburgh 3,286 2,399 19 18 NBD Bancorp, Inc., Detroit 3,180 2,967 20 20 Republic New York Corp. 3,103 2,746 21 16 First Interstate Bancorp, Los Angeles 2,882 3,313 22 21 Barnett Banks, Inc., Jacksonville, Fla. 2,708 2,686 23 22 SunTrust Banks, Inc., Atlanta 2,661 2,652 24 23 National City Corp., Cleveland 2,407 2,469 25 25 First Fidelity Bancorp., Lawrenceville,

N.J. 2,243 2,299 Top 25 in Total Capital

$ Total $ Total Rank Rank 12/94 12/93 1 1 Citicorp, New York 26,119 23,152 2 2 BankAmerica Corp., San Francisco 21,953 18,967 3 3 Chemical Banking Corp., New York 15,058 14,836 4 4 NationsBank Corp., Charlotte, N.C. 14,681 13,505 5 6 J.P. Morgan & Co., Inc., New York 12,221 10,850 6 5 Chase Manhattan Corp., New York 12,000 11,787 7 7 Banc One Corp., Columbus, Ohio 9,622 9,029 8 8 First Union Corp., Charlotte, N.C. 7,449 6,960 9 9 Bankers Trust New York Corp. 7,100 6,900 10 10 First Chicago Corp. 6,567 6,292 11 11 Bank of New York Co., Inc. 6,395 5,778 12 29 KeyCorp, Cleveland 5,821 2,691 13 13 PNC Bank Corp., Pittsburgh 5,497 5,252 14 15 Republic New York Corp. 5,274 4,747 15 12 Wells Fargo & Co., San Francisco 5,157 5,446 16 14 Fleet Financial Group, Inc., Providence 5,045 4,939 17 16 Bank of Boston Corp. 4,974 4,725 18 19 Norwest Corp., Minneapolis 4,872 4,243 19 17 NBD Bancorp, Inc., Detroit 4,712 4,424 20 20 Wachovia Corp., Winston-Salem, N.C. 4,530 3,953 21 21 Mellon Bank Corp., Pittsburgh 4,473 3,559 22 18 First Interstate Bancorp, Los Angeles 4,091 4,385 23 22 Barnett Banks, Inc., Jacksonville, Fla. 3,474 3,468 24 24 SunTrust Banks, Inc., Atlanta 3,363 3,150 25 23 National City Corp., Cleveland 3,313 3,207 Top 25 in Tier 1 Capital Ratio

% Tier 1 % Tier 1 Rank Rank 12/94 12/93 1 1 Mercantile Bankshares Corp., Baltimore 18.34 18.41 2 2 UMB Financial Corp., Kansas City, Mo. 16.39 17.09 3 8 Republic New York Corp. 16.17 15.16 4 10 Trustmark Corp., Jackson, Miss. 15.44 15.09 5 6 Hibernia Corp., New Orleans, La. 15.25 15.56 6 5 First Commerce Corp., New Orleans, La. 14.86 16.42 7 4 First Virginia Banks, Inc., Falls Church 14.71 16.84 8 12 Commerce Bancshares, Inc., Kansas City 14.63 14.63 9 17 First Maryland Bancorp., Baltimore 14.05 12.88 10 7 Dauphin Deposit Corp., Harrisburg, Pa. 13.82 15.54 11 9 FirstMerit Corp., Akron, Ohio 13.37 15.16 12 13 Southern National Corp., Lumberton, N.C. 13.09 14.43 13 73 Midlantic Corp., Edison, N.J. 13.07 9.28 14 15 Keystone Financial, Inc., Harrisburg, Pa. 12.96 13.03 15 22 BanPonce Corp., Ponce, P.R. 12.85 12.29 16 24 State Street Boston Corp. 12.80 12.10 17 18 Magna Group, Inc., St. Louis, Mo. 12.79 12.81 18 32 Signet Banking Corp., Richmond 12.58 11.12 19 16 First Commercial Corp., Little Rock, Ark. 12.56 12.96 20 14 Deposit Guaranty Corp., Jackson, Miss. 12.49 13.28 21 25 Premier Bancorp, Inc., Baton Rouge, La. 12.40 11.99 22 3 Onbancorp, Inc., Syracuse, N.Y. 12.31 17.08 23 11 Union Planters Corp., Memphis, Tenn. 12.22 14.85 24 21 Summit Bancorp., Chatham, N.J. 12.19 12.40 25 26 BB&T Financial Corp., Wilson, N.C. 12.03 11.85 Top 25 in Total Capital Ratio

% Total % Total Rank Rank 12/94 12/93 1 1 Republic New York Corp. 27.49 26.20 2 3 Mercantile Bankshares Corp., Baltimore 19.63 19.73 3 9 Riggs National Corp., Washington, D.C. 18.50 16.94 4 2 First Commerce Corp., New Orleans, La. 18.46 20.48 5 13 First Maryland Bancorp., Baltimore 17.68 16.62 6 12 Marine Midland Banks, Inc., Buffalo, N.Y. 17.65 16.84 7 5 UMB Financial Corp., Kansas City, Mo. 17.46 18.50 8 57 Midlantic Corp., Edison, N.J. 17.22 13.29 9 16 Trustmark Corp., Jackson, Miss. 16.70 16.36 10 11 Hibernia Corp., New Orleans, La. 16.54 16.87 11 7 First Virginia Banks, Inc., Falls Church 15.91 18.09 12 17 Commerce Bancshares, Inc., Kansas City 15.86 15.87 13 27 Mercantile Bancorp. Inc., St. Louis, Mo. 15.78 14.52 14 23 Signet Banking Corp., Richmond 15.59 15.02 15 18 Premier Bancorp, Inc., Baton Rouge, La. 15.49 15.72 16 10 MBNA Corp., Newark, Del. 15.18 16.88 17 28 Integra Financial Corp., Pittsburgh 15.10 14.50 18 32 Zions Bancorp., Salt Lake City, Utah 14.96 14.34 19 8 Dauphin Deposit Corp., Harrisburg, Pa. 14.92 17.29 20 21 Summit Bancorp., Chatham, N.J. 14.83 15.49 21 29 Bankers Trust New York Corp. 14.77 14.46 22 4 Union Planters Corp., Memphis, Tenn. 14.75 18.59 23 15 FirstMerit Corp., Akron, Ohio 14.42 16.40 24 19 Southern National Corp., Lumberton, N.C. 14.37 15.56 25 51 Regions Financial Corp., Birmingham, Ala. 14.29 13.48 Top 25 in Leverage Capital Ratio

% Lev. % Lev. Rank Rank 12/94 12/93 1 2 Canadian Imperial Holdings, New York 12.62 12.02 2 3 Mercantile Bankshares Corp., Baltimore 12.13 11.58 3 9 First Maryland Bancorp., Baltimore 11.05 9.60 4 18 Southern National Corp., Lumberton, N.C. 10.85 8.57 5 23 BanCal Tri-State Corp., San Francisco 10.50 8.24 6 8 First Virginia Banks, Inc., Falls Church 10.21 9.68 7 28 Signet Banking Corp., Richmond 9.90 8.13 8 5 Dauphin Deposit Corp., Harrisburg, Pa. 9.65 10.17 9 7 Fifth Third Bancorp, Cincinnati 9.62 9.85 10 75 Midlantic Corp., Edison, N.J. 9.43 6.81 11 4 MBNA Corp., Newark, Del. 9.36 10.38 12 17 Commerce Bancshares, Inc., Kansas City 9.29 8.64 13 13 Wilmington Trust Corp., Del. 8.94 9.05 14 22 Hibernia Corp., New Orleans, La. 8.93 8.25 15 14 Synovus Financial Corp., Columbus, Ga. 8.90 8.69 16 11 Keystone Financial, Inc., Harrisburg, Pa. 8.84 9.32 17 41 Trustmark Corp., Jackson, Miss. 8.81 7.80 18 10 FirstMerit Corp., Akron, Ohio 8.74 9.53 19 72 Mellon Bank Corp., Pittsburgh 8.67 6.88 20 40 Marine Midland Banks, Inc., Buffalo, N.Y. 8.65 7.80 21 19 Wachovia Corp., Winston-Salem, N.C. 8.63 8.44 22 21 Firstar Corp., Milwaukee 8.58 8.3 23 29 Deposit Guaranty Corp., Jackson, Miss. 8.43 8.13 24 12 Marshall & Ilsley Corp., Milwaukee, Wis. 8.39 9.29 25 52 Mercantile Bancorp. Inc., St. Louis, Mo. 8.32 7.44 ===

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