+++ Among banks and bank holding companies. Based on net income after accounting changes but before extraordinary items (dollar amounts in thousands) Set 1 of 3 Rank Net Income For Full Year 1994 Name 1994 1993 1 Citicorp, New York $3,366,000 $2,219,000 2 BankAmerica Corp., San Francisco 2,176,000 1,954,000 3 NationsBank Corp., Charlotte, N.C. 1,689,858 1,501,000 4 Chemical Banking Corp., New York 1,294,000 1,451,000 5 J.P. Morgan & Co., Inc., New York 1,215,420 1,398,202 6 Chase Manhattan Corp., New York 1,205,000 966,000 7 Banc One Corp., Columbus, Ohio 1,005,109 1,139,980 8 First Union Corp., Charlotte, N.C. 925,380 817,521 9 KeyCorp, Cleveland 853,490 362,767 10 Wells Fargo & Co., San Francisco 840,614 612,093 11 Norwest Corp., Minneapolis 800,400 653,600 12 Bank of New York Co., Inc. 749,200 518,026 13 First Interstate Bancorp, Los Angeles 733,500 761,504 14 First Chicago Corp. 689,700 804,500 15 Bankers Trust New York Corp. 615,000 995,000 16 Fleet Financial Group, Inc., Providence, R.I. 612,931 561,799 17 PNC Bank Corp., Pittsburgh 610,062 725,870 18 Wachovia Corp., Winston-Salem, N.C. 539,058 484,065 19 NBD Bancorp, Inc., Detroit 531,664 485,791 20 SunTrust Banks, Inc., Atlanta 522,744 473,729 21 Barnett Banks, Inc., Jacksonville, Fla. 487,971 420,994 22 First Fidelity Bancorporation, Lawrenceville, N 451,063 398,832 23 Bank of Boston Corp. 435,362 342,823 24 Mellon Bank Corp., Pittsburgh 433,000 473,000 25 National City Corp., Cleveland 429,434 403,997 26 First Bank System, Inc., Minneapolis 419,800 298,000 27 Greenwood Trust Co., New Castle, Del. 413,754 353,224 28 Comerica, Inc., Detroit 387,242 326,338 29 Boatmen's Bancshares, Inc., St. Louis, Mo. 355,332 317,419 30 Republic New York Corp. 340,008 301,205 31 National Westminster Bancorp, Inc., Jersey City 298,598 298,092 32 Midlantic Corp., Edison, N.J. 271,577 131,396 33 MBNA Corp., Newark, Del. 266,593 210,846 34 CoreStates Financial Corp, Philadelphia 245,362 303,917 35 Fifth Third Bancorp, Cincinnati 244,459 196,447 36 Huntington Bancshares, Inc., Columbus, Ohio 242,593 236,912 37 Shawmut National Corp., Hartford, Conn. 237,352 338,787 38 Marine Midland Banks, Inc., Buffalo, N.Y. 229,309 173,216 39 American Express Centurion Bank, Wilmington, De 224,329 214,739 40 First of America Bank Corp., Kalamazoo, Mich. 220,503 247,385 41 Firstar Corp., Milwaukee 207,743 204,294 42 State Street Boston Corp. 207,413 179,829 43 BanCal Tri-State Corp., San Francisco 196,696 47,304 44 First USA Bank, Wilmington, Del. (a) 194,444 54,249 45 Northern Trust Corp., Chicago 182,177 167,900 46 SouthTrust Corp., Birmingham, Ala. 173,002 150,535 47 Michigan National Corp., Farmington Hills 171,702 23,763 48 Crestar Financial Corp., Richmond 169,079 140,500 49 Integra Financial Corp., Pittsburgh 169,033 221,104 50 Mercantile Bancorporation Inc., St. Louis, Mo. 161,029 116,888 51 Meridian Bancorp., Inc., Reading, Pa. $159,358 $157,761 52 U.S. Bancorp, Portland, Ore. 151,495 257,949 53 Signet Banking Corp., Richmond 149,834 174,414 54 First Tennessee National Corp., Memphis 146,349 120,665 55 Regions Financial Corp., Birmingham, Ala. 145,884 112,045 56 First Security Corp., Salt Lake City, Utah 140,134 114,056 57 Old Kent Financial Corp., Grand Rapids, Mich. 136,107 127,544 58 LaSalle National Corp., Chicago 134,639 102,371 59 UJB Financial Corp., Princeton, N.J. 130,150 78,055 60 AmSouth Bancorporation, Birmingham, Ala. 127,290 146,227 61 BanPonce Corp., Ponce, P.R. 124,749 103,989 62 BB&T Financial Corp., Wilson, N.C. 119,882 98,236 63 Bancorp Hawaii, Inc., Honolulu 117,738 132,567 64 First Empire State Corp., Buffalo, N.Y. 117,295 101,992 65 Star Banc Corp., Cincinnati 116,591 100,273 66 First Virginia Banks, Inc., Falls Church 113,221 116,024 67 First Maryland Bancorp., Baltimore 111,140 113,868 68 Southern National Corp., Lumberton, N.C. 109,644 75,563 69 BayBanks, Inc., Boston 107,437 67,651 70 Marshall & Ilsley Corp., Milwaukee, Wis. 105,940 125,491 71 West One Bancorp, Boise, Idaho 103,171 83,187 72 First Deposit National Bank, Tilton, N.H. (b) 100,709 120,439 73 Compass Bancshares, Inc., Birmingham, Ala. 99,671 89,260 74 Canadian Imperial Holdings, Inc., New York 99,128 73,401 75 Harris Bankcorp, Inc., Chicago 97,346 117,625 76 Commerce Bancshares, Inc., Kansas City, Mo. 96,111 86,894 77 First American Corp., Nashville, Tenn. 90,732 101,813 78 Mercantile Bankshares Corp., Baltimore 90,441 82,416 79 European American Bank, New York 88,690 67,835 80 Synovus Financial Corp., Columbus, Ga. 86,448 74,058 81 Wilmington Trust Corp., Del. 85,169 82,761 82 Central Fidelity Banks Inc., Richmond 84,864 102,917 83 Hibernia Corp., New Orleans, La. 84,651 47,950 84 Fourth Financial Corp., Wichita, Kan. 83,122 88,399 85 Bank South Corp., Atlanta 80,151 38,594 86 First National of Nebraska, Inc., Omaha (a) 77,133 69,563 87 Union Bank, San Francisco 75,261 78,255 88 Colonial National Bank USA, Wilmington, Del. 74,670 71,525 89 First Hawaiian, Inc., Honolulu 72,511 78,207 90 Household Bank (Illinois), NA, Wood Dale (b) 70,559 68,550 91 Dauphin Deposit Corp., Harrisburg, Pa. 70,039 64,492 92 Premier Bancorp, Inc., Baton Rouge, La. 69,472 63,841 93 Deposit Guaranty Corp., Jackson, Miss. 67,130 66,552 94 Zions Bancorporation, Salt Lake City, Utah 63,827 55,099 95 First Commerce Corp., New Orleans, La. 63,684 95,214 96 FirstMerit Corp., Akron, Ohio (c) 60,301 55,205 97 Monogram Credit Card Bank, Atlanta (b) 60,056 50,593 98 Valley National Bancorp, Wayne, N.J. 59,044 54,243 99 Union Planters Corp., Memphis, Tenn. 58,608 57,665 100 Provident Bancorp, Inc., Cincinnati 57,666 51,272 Set 2 of 3

Profitability Ratios (%)

Return on Return on Rank Rank Change avg. assets avg. equity 1994 Name 1993 In Rank 1994 1993 1994 1995 1 Citicorp, New Y 1 1.29 0.97 25.8 21.14 2 BankAmerica Cor 2 1.08 1.05 13.2 12.88 3 NationsBank Cor 5 2 1.02 1.12 16.1 17.33 4 Chemical Bankin 3 -1 0.78 1.11 12.32 16.66 5 J.P. Morgan & C 4 -1 0.7 1.18 14.49 22.28 6 Chase Manhattan 8 2 1.01 0.94 15.85 14.59 7 Banc One Corp., 6 -1 1.15 1.53 13.35 17.81 8 First Union Cor 9 1 1.27 1.2 16.66 17.42 9 KeyCorp, Clevel 23 14 1.36 1.15 18.87 16.71 10 Wells Fargo & C 14 4 1.62 1.2 22.41 16.74 11 Norwest Corp., 13 2 1.45 1.38 21.4 20.87 12 Bank of New Yor 15 3 1.49 1.2 18.49 14.98 13 First Interstat 11 -2 1.54 1.54 26.19 24.07 14 First Chicago C 10 -4 1.08 1.42 17 24.2 15 Bankers Trust N 7 -8 0.59 1.16 14.6 24.92 16 Fleet Financial 17 1 1.27 1.06 18.77 16.07 17 PNC Bank Corp., 12 -5 1 1.44 14.1 18.4 18 Wachovia Corp., 16 -2 1.46 1.46 17.41 17.13 19 NBD Bancorp, In 18 -1 1.25 1.21 16.49 15.57 20 SunTrust Banks, 19 -1 1.32 1.26 17.66 16.48 21 Barnett Banks, 20 -1 1.28 1.13 16.7 16.02 22 First Fidelity 22 1.34 1.26 16.71 16.94 23 Bank of Boston 32 9 1.03 0.78 16.08 11.78 24 Mellon Bank Cor 24 1.14 1.04 9.79 11.93 25 National City C 21 -4 1.4 1.4 17.06 16.12 26 First Bank Syst 34 8 1.63 1.17 19.26 13.8 27 Greenwood Trust 25 -2 5.49 4.79 46.42 38.95 28 Comerica, Inc., 27 -1 1.23 1.25 16.74 15.94 29 Boatmen's Bancs 29 1.29 1.27 16.31 15.99 30 Republic New Yo 31 1 0.82 0.81 15.2 15.08 31 National Westmi 33 2 1.16 1.29 12.76 15.01 32 Midlantic Corp. 53 21 2.02 1.24 22.57 18.05 33 MBNA Corp., New 41 8 3.16 3.15 32.7 27.02 34 CoreStates Fina 30 -4 0.9 1.38 10.96 17.55 35 Fifth Third Ban 43 8 1.77 1.8 18.6 18.2 36 Huntington Banc 38 2 1.45 1.41 17.29 19.48 37 Shawmut Nationa 35 -2 0.76 1.14 11.22 19.44 38 Marine Midland 46 8 1.37 1.03 16.45 14.12 39 American Expres 39 2.21 2.1 23.89 24.79 40 First of Americ 37 -3 0.98 1.2 14.43 18.01 41 Firstar Corp., 42 1 1.51 1.59 16.97 18.61 42 State Street Bo 44 2 0.95 0.99 17.55 17.4 43 BanCal Tri-Stat 107 64 2.68 0.63 35.3 9.95 44 First USA Bank, 98 54 3.09 1.63 39.73 22.35 45 Northern Trust 47 2 1.02 1.07 16.57 17.89 46 SouthTrust Corp 49 3 1.09 1.1 15.86 15.84 47 Michigan Nation 152 105 1.8 1.27 19.5 16.5 48 Crestar Financi 51 3 1.24 1.12 15.38 13.9 49 Integra Financi 40 -9 1.24 1.57 17.95 25.13 50 Mercantile Banc 59 9 1.33 1.11 15.82 14.87 51 Meridian Bancor 48 -3 1.1 1.11 13.26 14.17 52 U.S. Bancorp, P 36 -16 0.72 1.25 8.58 15.75 53 Signet Banking 45 -8 1.41 1.5 15.55 19.62 54 First Tennessee 56 2 1.45 1.35 20.04 18.99 55 Regions Financi 63 8 1.29 1.4 15.97 16.14 56 First Security 61 5 1.26 1.24 16.13 14.55 57 Old Kent Financ 54 -3 1.33 1.38 16.04 16.65 58 LaSalle Nationa 66 8 1.05 0.94 21.27 18.76 59 UJB Financial C 79 20 0.88 0.57 12.36 8.22 60 AmSouth Bancorp 50 -10 0.83 1.28 10.24 14.93 61 BanPonce Corp., 64 3 1.02 1.02 13.8 13.8 62 BB&T Financial 70 8 1.2 1.23 14.83 14.27 63 Bancorp Hawaii, 52 -11 0.93 1.05 12.13 14.85 64 First Empire St 67 3 1.17 0.98 16.64 15.61 65 Star Banc Corp. 69 4 1.41 1.33 16.59 15.85 66 First Virginia 60 -6 1.58 1.68 15.76 17.81 67 First Maryland 62 -5 1.06 1.21 11.59 14.91 68 Southern Nation 81 13 1.32 1.35 19.95 17.32 69 BayBanks, Inc., 90 21 1.04 0.71 14.5 10.1 70 Marshall & Ilsl 55 -15 0.76 1.62 8.6 16.11 71 West One Bancor 74 3 1.28 1.14 15.63 15.61 72 First Deposit N 57 -15 5.13 6.24 61.6 63.51 73 Compass Bancsha 72 -1 1.24 1.27 17.35 16.98 74 Canadian Imperi 84 10 1.76 1.36 13.63 11.25 75 Harris Bankcorp 58 -17 0.68 0.9 9.7 12.31 76 Commerce Bancsh 73 -3 1.21 1.14 13.05 12.99 77 First American 68 -9 1.25 1.5 15.23 19.9 78 Mercantile Bank 77 -1 1.56 1.52 12.84 13.07 79 European Americ 89 10 1.4 1.18 20.57 19.1 80 Synovus Financi 82 2 1.5 1.39 17.51 16.77 81 Wilmington Trus 76 -5 1.88 1.96 20.84 21.12 82 Central Fidelit 65 -17 0.89 1.16 11.85 16.01 83 Hibernia Corp., 105 22 1.35 1.03 15.63 12.18 84 Fourth Financia 80 -4 1.13 1.16 15.34 15.32 85 Bank South Corp 86 1 1.28 1.5 14.26 18.51 86 First National 87 1 1.66 1.86 23.76 26.47 87 Union Bank, San 75 -12 0.47 0.52 5.89 6.91 88 Colonial Nation 85 -3 4.74 4.88 56.58 61.35 89 First Hawaiian, 78 -11 1.01 1.21 11.73 14.01 90 Household Bank 88 -2 15.75 21.31 63.68 70.74 91 Dauphin Deposit 93 2 1.35 1.43 13.92 14.33 92 Premier Bancorp 91 -1 1.39 1.75 17.63 22.47 93 Deposit Guarant 92 -1 1.36 1.38 15.61 18.1 94 Zions Bancorpor 101 7 1.17 1.24 18.82 19.9 95 First Commerce 71 -24 0.99 1.5 13.48 20.27 96 FirstMerit Corp 97 -1 1.32 1.39 14.09 14.69 97 Monogram Credit 103 6 3.05 3.48 6.43 5.72 98 Valley National 99 1 1.6 1.64 22.03 22 99 Union Planters 94 -5 0.58 0.98 7.4 15.18 100 Provident Banco 102 2 1.24 1.3 17.66 17.46 Set 3 of 3

Other Performance Ratios (%) Rank Net Interest Margin Nonperforming Assets 1994 Name 1994 1993 1994 1992 1 Citicorp, New Y 4.19 4.5 2.86 5.1 2 BankAmerica Cor 4.5 4.71 1.27 1.89 3 NationsBank Cor 3.58 3.96 0.67 1.13 4 Chemical Bankin 3.61 3.73 0.66 2.35 5 J.P. Morgan & C 1.56 1.51 0.14 0.22 6 Chase Manhattan 3.89 4.33 0.8 1.92 7 Banc One Corp., 5.46 6.29 0.52 0.76 8 First Union Cor 4.77 4.78 0.72 1.29 9 KeyCorp, Clevel 4.83 5.36 0.51 0.84 10 Wells Fargo & C 5.55 5.74 1.39 2.98 11 Norwest Corp., 5.66 5.59 0.4 0.46 12 Bank of New Yor 4.11 3.55 1.1 1.4 13 First Interstat 5.14 4.91 0.46 0.6 14 First Chicago C 2.58 2.61 0.24 0.53 15 Bankers Trust N 1.64 1.82 1.47 1.5 16 Fleet Financial 4.64 5.02 1.06 1.25 17 PNC Bank Corp., 3.4 3.95 0.7 0.89 18 Wachovia Corp., 4.34 4.64 0.26 0.42 19 NBD Bancorp, In 4.22 4.48 0.44 0.77 20 SunTrust Banks, 4.64 4.8 0.64 1.01 21 Barnett Banks, 4.87 5.07 1.01 1.2 22 First Fidelity 4.7 4.86 0.91 1.47 23 Bank of Boston 4.14 4.45 1.14 2.18 24 Mellon Bank Cor 4.71 4.39 0.89 0.94 25 National City C 4.65 4.8 0.4 0.67 26 First Bank Syst 5.28 5.07 0.58 0.86 27 Greenwood Trust 10.26 10.52 1.26 0.2 28 Comerica, Inc., 4.32 4.65 0.61 0.69 29 Boatmen's Bancs 4.32 4.56 0.59 1.01 30 Republic New Yo 2.64 2.48 0.27 0.3 31 National Westmi 4.12 3.86 1.49 2.72 32 Midlantic Corp. 4.79 4.08 2.31 4.09 33 MBNA Corp., New 7.61 8.76 0 0.02 34 CoreStates Fina 5.8 5.82 1.06 1.07 35 Fifth Third Ban 4.16 4.51 0.18 0.2 36 Huntington Banc 4.96 5.24 0.54 0.79 37 Shawmut Nationa 3.78 4.04 1.31 1.56 38 Marine Midland 4.6 4.7 1.5 2.75 39 American Expres 7.33 7.34 1.06 1.39 40 First of Americ 4.58 4.86 0.57 0.86 41 Firstar Corp., 5.03 5.21 0.38 0.47 42 State Street Bo 2.04 2.08 0.13 0.27 43 BanCal Tri-Stat 4.1 3.88 2.97 6.16 44 First USA Bank, 5.66 6.28 0.57 0.62 45 Northern Trust 2.36 2.65 0.16 0.22 46 SouthTrust Corp 4.23 4.35 0.65 0.77 47 Michigan Nation 4.74 4.64 1.65 2.51 48 Crestar Financi 4.83 4.78 0.68 0.73 49 Integra Financi 4.2 4.3 0.71 1.24 50 Mercantile Banc 4.67 4.73 0.31 0.69 51 Meridian Bancor 4.73 4.96 0.81 1.27 52 U.S. Bancorp, P 5.35 5.29 0.94 1.18 53 Signet Banking 4.34 4.76 3.75 0.98 54 First Tennessee 4.28 4.35 0.35 0.6 55 Regions Financi 4.26 4.82 0.36 0.55 56 First Security 4.64 4.95 0.22 0.52 57 Old Kent Financ 4.6 4.8 0.62 0.69 58 LaSalle Nationa 4.12 4.01 0.63 0.78 59 UJB Financial C 4.63 4.64 1.29 2.42 60 AmSouth Bancorp 4.14 4.55 0.79 0.58 61 BanPonce Corp., 4.68 5.5 0.84 0.97 62 BB&T Financial 4.28 4.55 0.28 0.47 63 Bancorp Hawaii, 3.82 4 0.42 0.55 64 First Empire St 4.89 4.76 0.83 0.91 65 Star Banc Corp. 4.55 4.67 0.41 0.72 66 First Virginia 5.28 5.46 0.33 0.39 67 First Maryland 4.51 4.64 0.81 1.42 68 Southern Nation 4.27 4.71 0.28 0.37 69 BayBanks, Inc., 5.04 5 1.26 2.39 70 Marshall & Ilsl 4.4 4.53 0.48 0.51 71 West One Bancor 4.95 4.87 0.29 0.37 72 First Deposit N 10.65 11.64 1.38 1.41 73 Compass Bancsha 4.54 5.1 0.21 0.55 74 Canadian Imperi 2.54 2.24 0.91 0.42 75 Harris Bankcorp 3.95 4.04 0.62 0.84 76 Commerce Bancsh 4.46 4.22 0.23 0.39 77 First American 4.27 4.39 0.27 0.56 78 Mercantile Bank 4.86 4.73 0.74 1.55 79 European Americ 4.76 4.32 0.3 0.55 80 Synovus Financi 5.11 4.89 0.72 0.95 81 Wilmington Trus 4.64 4.76 0.98 0.98 82 Central Fidelit 3.8 3.98 0.9 1.37 83 Hibernia Corp., 4.55 4.6 0.55 1.72 84 Fourth Financia 4.3 4.48 0.46 6.49 85 Bank South Corp 4.56 4.84 0.37 0.78 86 First National 7.94 8.39 0.11 0.26 87 Union Bank, San 4.97 5 1.06 4.49 88 Colonial Nation 4.37 5.8 0.3 0.56 89 First Hawaiian, 4.63 4.69 0.84 1.01 90 Household Bank 13.01 17.69 1.6 1.36 91 Dauphin Deposit 4.17 4.16 0.53 0.57 92 Premier Bancorp 4.85 5.31 0.6 1.04 93 Deposit Guarant 4.24 4.18 0.63 0.89 94 Zions Bancorpor 4.07 4.11 0.38 0.67 95 First Commerce 4.42 4.4 0.55 0.49 96 FirstMerit Corp 4.85 5.23 0.31 0.44 97 Monogram Credit 14.81 16 2.18 2.19 98 Valley National 4.56 4.68 0.69 0.64 99 Union Planters 4.39 4.34 0.25 0.43 100 Provident Banco 4.14 4.41 0.2 0.58 === Sources of Data: American Banker survey, companies yearend earnings releases, SNL Securities, Charlottesville, Va., Sheshunoff Information Services Inc., Austin, Tex. and federal regulatory data from the Federal Reserve Board, Washington, D.C. Net Income is income after taxes, loan loss provisions, minority interest, and changes in accounting principles but before preferred dividends and extraordinary items. Data for 1993 are as reported in 1994 and have not been restated for mergers or changes in accounting principles. Return on average assets is net income, as defined above, as a percentage of average assets. Return on average (common) equity is net income as defined above less preferred dividends as a percentage of average common equity. Please note that the profitability ratios published here may differ from ratios reported in the March 17th Performance Review for two reasons. The March 17th study was based on net income after extraordinary items, and the 1993 data were restated for mergers and accounting changes. Net interest margin is tax adjusted net interest income as a percentage of gross interest bearing financial assets. Nonperforming assets are the sum of nonaccrual loans, restructured loans, and other real estate owned. The ratio is nonperforming assets as a percentage of total assets at yearend. (a)- Nonperforming assets ratio for 1994 is as of Sept. 30. Compiled by American Banker, 1995.

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