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part 1 of 3
Rank Net Income For
1996 Name 1996
1 Citicorp, New York 3,788,000
2 BankAmerica Corp., San Francisco 2,873,000
3 Chase Manhattan Corp., New York 2,461,000
4 NationsBank Corp., Charlotte, N.C. (a) 2,375,000
5 J.P. Morgan & Co., Inc., New York 1,574,051
6 First Union Corp., Charlotte, N.C. 1,499,000
7 First Chicago NBD Corp. 1,436,000
8 Banc One Corp., Columbus, Ohio 1,426,533
9 Norwest Corp., Minneapolis 1,153,900
10 Fleet Financial Group, Inc., Boston 1,138,789
11 Wells Fargo & Co., San Francisco 1,071,000
12 Bank of New York Co., Inc. 1,020,000
13 PNC Bank Corp., Pittsburgh 992,226
14 KeyCorp, Cleveland 783,000
15 First Bank System, Inc., Minneapolis 739,800
16 National City Corp., Cleveland 736,630
17 Mellon Bank Corp., Pittsburgh 733,000
18 Bank of Boston Corp. 650,200
19 CoreStates Financial Corp, Philadelphia 649,144
20 Wachovia Corp., Winston-Salem, N.C. 644,557
21 SunTrust Banks, Inc., Atlanta 616,615
22 Bankers Trust New York Corp. 612,000
23 Barnett Banks, Inc., Jacksonville, Fla. 564,491
24 Boatmen's Bancshares, Inc., St. Louis, Mo. 522,768
25 U.S. Bancorp, Portland, Ore. 478,894
26 MBNA Corp., Wilmington, Del. 474,495
27 Republic New York Corp. 418,840
28 Comerica, Inc., Detroit 417,000
29 HSBC Americas, Inc., Buffalo, N.Y. (f) 380,188
30 Fifth Third Bancorp, Cincinnati 335,059
31 State Street Boston Corp. 292,835
32 Southern National Corp., Winston-Salem, N.C. 283,664
33 First USA Bank, Wilmington, Del. (n) 267,722
34 Huntington Bancshares, Inc., Columbus, Ohio 262,101
35 Northern Trust Corp., Chicago 258,800
36 First of America Bank Corp., Kalamazoo, Mich. 256,886
37 SouthTrust Corp., Birmingham, Ala. 254,703
38 Greenwood Trust Co., New Castle, Del. (n) 251,640
39 Firstar Corp., Milwaukee 250,177
40 Union BanCal Corp., San Francisco (f) 249,458
41 Regions Financial Corp., Birmingham, Ala. 229,686
42 Summit Bancorp, Princeton, N.J. 229,175
43 Crestar Financial Corp., Richmond 218,271
44 Marshall & Ilsley Corp., Milwaukee, Wis. 203,430
45 LaSalle National Corp., Chicago (f) 197,240
46 Mercantile Bancorporation Inc., St. Louis, Mo. 191,947
47 BanPonce Corp., Ponce, P.R. 185,150
48 AmSouth Bancorporation, Birmingham, Ala. 182,676
49 First Tennessee National Corp., Memphis 179,907
50 First Security Corp., Salt Lake City, Utah 177,843
51 Harris Bank, Chicago (f) 161,520
52 Old Kent Financial Corp., Grand Rapids, Mich. 158,701
53 Star Banc Corp., Cincinnati 158,359
54 Capital One Bank, Glen Allen, Va. (n) 155,930
55 First Empire State Corp., Buffalo, N.Y. 151,103
56 Citizens Financial Group, Inc., Providence, R.I 148,972
57 American Express Centurion Bank, Wilmington, De 142,705
58 Synovus Financial Corp., Columbus, Ga. 139,604
59 European American Bank, New York 135,983
60 Union Planters Corp., Memphis, Tenn. 133,738
61 Bancorp Hawaii, Inc., Honolulu 133,124
62 First Maryland Bancorp., Baltimore (f) 132,337
63 Compass Bancshares, Inc., Birmingham, Ala. 128,927
64 Signet Banking Corp., Richmond 124,927
65 Household Bank (Nevada), NA, Las Vegas 122,113
66 First American Corp., Nashville, Tenn. 121,572
67 Commerce Bancshares, Inc., Kansas City, Mo. 119,512
68 First Commerce Corp., New Orleans, La. 118,438
69 Advanta National Bank USA, Clayton, Del. (b,n) 117,410
70 Mercantile Bankshares Corp., Baltimore 117,400
71 First Virginia Banks, Inc., Falls Church 116,341
72 Monogram Credit Card Bank, Atlanta, Ga. (n) 112,971
73 Central Fidelity Banks Inc., Richmond 112,702
74 Hibernia Corp., New Orleans, La. 109,950
75 Zions Bancorporation, Salt Lake City, Utah 101,350
76 Michigan National Corp., Farmington Hills (f) 99,131
77 Wilmington Trust Corp., Del. 97,278
78 First Deposit National Bank, Tilton, N.H. (n) 85,114
79 Deposit Guaranty Corp., Jackson, Miss. 83,610
80 Provident Bancorp, Inc., Cincinnati 81,200
81 First Hawaiian, Inc., Honolulu 80,296
82 FirstMerit Corp., Akron, Ohio 70,940
83 Dauphin Deposit Corp., Harrisburg, Pa. 70,772
84 Sanwa Bank California, San Francisco 70,527
85 CCB Financial Corp., Durham, N.C. 70,315
86 First National of Nebraska, Inc., Omaha 70,232
87 Keystone Financial, Inc., Harrisburg, Pa. 69,475
88 First Commercial Corp., Little Rock, Ark. 68,562
89 Centura Banks, Inc., Rocky Mount, N.C. 68,151
90 Valley National Bancorp, Wayne, N.J. 67,495
91 City National Corp., Beverly Hills, Calif. 66,563
92 Riggs National Corp., Washington, D.C. 66,363
93 First Citizens BancShares, Raleigh, N.C. 65,467
94 Trustmark Corp., Jackson, Miss. 65,139
95 Magna Group, Inc., St. Louis, Mo. 63,139
96 North Fork Bancorporation, Inc., Melville, N.Y. 62,442
97 Bank of Tokyo-Mitsubishi Trust Co., New York 61,627
98 Old National Bancorp, Evansville, Ind. 60,179
99 UMB Financial Corp., Kansas City, Mo. 57,532
100 National Commerce Bancorporation, Memphis 57,513
part 2 of 3
PROFITABILITY RATIO(%)
Rank Rank Change Return on avg.
1996 Name 1995 1995 In Rank 1996 1995
1 Citicorp, New Yor 3,464,000 1 1.4 1.29
2 BankAmerica Corp. 2,664,000 2 1.19 1.17
3 Chase Manhattan C 1,805,000 4 1 0.77 1
4 NationsBank Corp. 1,950,164 3 -1 1.18 1.03
5 J.P. Morgan & Co. 1,296,000 6 1 0.73 0.73
6 First Union Corp. 1,430,181 5 -1 1.31 1.21
7 First Chicago NBD 1,150,000 9 2 1.28 0.94
8 Banc One Corp., C 1,277,863 7 -1 1.48 1.47
9 Norwest Corp., Mi 956,000 11 2 1.51 1.44
10 Fleet Financial G 609,953 16 6 1.37 0.74
11 Wells Fargo & Co. 1,032,000 10 -1 1.15 2.03
12 Bank of New York 913,891 12 1.9 1.72
13 PNC Bank Corp., P 408,060 26 13 1.4 0.54
14 KeyCorp, Clevelan 824,982 14 1.21 1.24
15 First Bank System 568,100 18 3 2.09 1.73
16 National City Cor 465,109 22 6 1.51 1.38
17 Mellon Bank Corp. 691,000 15 -2 1.74 1.72
18 Bank of Boston Co 540,981 20 2 1.09 1.21
19 CoreStates Financ 452,237 23 4 1.48 1.59
20 Wachovia Corp., W 602,543 17 -3 1.43 1.45
21 SunTrust Banks, I 565,500 19 -2 1.35 1.31
22 Bankers Trust New 215,000 42 20 0.51 0.2
23 Barnett Banks, In 533,301 21 -2 1.42 1.3
24 Boatmen's Bancsha 418,835 24 1.29 1.28
25 U.S. Bancorp, Por 328,971 28 3 1.5 1.09
26 MBNA Corp., Wilmi 353,099 27 1 3.26 3.09
27 Republic New York 288,649 31 4 0.86 0.7
28 Comerica, Inc., D 413,366 25 -3 1.4 1.21
29 HSBC Americas, In 291,687 30 1 1.83 1.57
30 Fifth Third Banco 287,685 32 2 1.78 1.78
31 State Street Bost 247,109 34 3 0.99 0.94
32 Southern National 178,133 47 15 1.38 0.88
33 First USA Bank, W 237,312 36 3N.A. 3.6
34 Huntington Bancsh 244,489 35 1 1.31 1.28
35 Northern Trust Co 220,000 39 4 1.23 1.13
36 First of America 236,708 37 1 1.16 1
37 SouthTrust Corp., 199,005 44 7 1.09 1.05
38 Greenwood Trust C 287,435 33 -5N.A. 3.54
39 Firstar Corp., Mi 228,913 38 -1 1.31 1.26
40 Union BanCal Corp 207,341 43 3 1.15 1.15
41 Regions Financial 172,824 50 9 1.29 1.29
42 Summit Bancorp, P 170,367 51 9 1.03 1.11
43 Crestar Financial 179,797 46 3 1.01 1.08
44 Marshall & Ilsley 193,299 45 1 1.49 1.52
45 LaSalle National 174,740 49 4 1.18 1.21
46 Mercantile Bancor 216,835 41 -5 1.06 1.4
47 BanPonce Corp., P 146,361 55 8 1.14 1.04
48 AmSouth Bancorpor 174,955 48 1.02 1.03
49 First Tennessee N 164,888 53 4 1.43 1.45
50 First Security Co 120,005 66 16 1.36 0.98
51 Harris Bank, Chic 163,800 54 3 0.85 0.96
52 Old Kent Financia 141,814 56 4 1.3 1.21
53 Star Banc Corp., 136,603 58 5 1.63 1.45
54 Capital One Bank, 78,321 84 30 3.06 1.83
55 First Empire Stat 131,036 61 6 1.21 1.14
56 Citizens Financia 83,693 81 25 1.3 0.96
57 American Express 217,217 40 -17 1.59 1.98
58 Synovus Financial 114,583 67 9 1.72 1.53
59 European American 109,469 70 11 1.51 1.46
60 Union Planters Co 135,402 59 -1 0.88 1.24
61 Bancorp Hawaii, I 121,800 64 3 0.99 0.98
62 First Maryland Ba 120,187 65 3 1.26 1.23
63 Compass Bancshare 110,265 69 6 1.18 1.16
64 Signet Banking Co 133,830 60 -4 1.1 1.12
65 Household Bank (N 47,697 117 52N.A. 1.27
66 First American Co 103,080 77 11 1.25 1.21
67 Commerce Bancshar 107,640 72 5 1.37 1.21
68 First Commerce Co 75,951 86 18 1.39 0.93
69 Advanta National 70,864 91 22N.A. N.A.
70 Mercantile Banksh 104,432 76 6 1.82 1.74
71 First Virginia Ba 111,599 68 -3 1.43 1.41
72 Monogram Credit C 74,392 87 15 5.58 2.58
73 Central Fidelity 105,370 75 2 1.09 1.03
74 Hibernia Corp., N 123,859 63 -11 1.34 1.78
75 Zions Bancorporat 81,328 83 8 1.59 1.44
76 Michigan National 101,955 78 2 1.07 1.21
77 Wilmington Trust 90,031 79 2 1.83 1.83
78 First Deposit Nat 109,313 71 -7N.A. N.A.
79 Deposit Guaranty 72,620 88 9 1.39 1.3
80 Provident Bancorp 71,860 90 10 1.28 1.29
81 First Hawaiian, I 77,005 85 4 1.04 1.02
82 FirstMerit Corp., 31,318 141 59 1.29 0.55
83 Dauphin Deposit C 65,565 94 11 1.26 1.31
84 Sanwa Bank Califo 50,769 109 25 1.85N.A.
85 CCB Financial Cor 57,860 99 14 1.39 1.2
86 First National of 82,200 82 -4 1.1 1.5
87 Keystone Financia 61,314 96 9 1.37 1.29
88 First Commercial 56,910 101 13 1.3 1.22
89 Centura Banks, In 58,038 98 9 1.14 1.22
90 Valley National B 62,596 95 5 1.47 1.4
91 City National Cor 48,792 114 23 1.74 1.71
92 Riggs National Co 87,802 80 -12 1.41 1.92
93 First Citizens Ba 56,906 102 9 0.85 0.83
94 Trustmark Corp., 59,758 97 3 1.27 1.23
95 Magna Group, Inc. 51,222 108 13 1.2 1.09
96 North Fork Bancor 52,235 104 8 1.13 1.78
97 Bank of Tokyo-Mit 51,352 107 10 0.73 0.61
98 Old National Banc 51,694 106 8 1.17 1.1
99 UMB Financial Cor 52,176 105 6 0.94 0.88
100 National Commerce 49,035 113 13 1.51 1.53
part 3 of 3
OTHER PERFORMANCE RATIOS (%)
Rank Return on avg. e Net Interest Mar Nonperf. Assets
1996 Name 1996 1995 1996 1995 1996 1995
1 Citicorp 20.4 20.8 4.7 4.74 1.5 2.33
2 BankAmer 15 14.58 4.23 4.51 0.71 1.07
3 Chase Ma 12.48 17.08 3.21 3.33 0.34 0.5
4 NationsB 17.95 17.01 3.62 3.33 0.56 0.46
5 J.P. Mor 14.9 13.6 1.04 0.36 0.05 0.06
6 First Un 18.85 16.69 4.21 4.46 0.54 0.63
7 First Ch 17 14.3 3.83 3.14 0.3 0.33
8 Banc One 17.11 16.77 5.59 5.37 0.58 0.48
9 Norwest 21.9 22.3 5.63 5.58 0.25 0.29
10 Fleet Fi 17.43 9.32 4.81 4.12 0.85 0.59
11 Wells Fa 8.83 29.7 6.11 5.8 0.9 1.49
12 Bank of 19.98 19.42 4.35 4.53 0.7 0.55
13 PNC Bank 17.18 7.05 3.83 3.15 0.63 0.73
14 KeyCorp, 15.73 17.35 4.78 4.47 0.59 0.57
15 First Ba 23.8 21.28 4.89 4.91 0.38 0.45
16 National 17.69 17.64 4.44 4.44 0.33 0.38
17 Mellon B 20.4 17.77 4.2 4.43 0.41 0.85
18 Bank of 14.47 17.14 4.42 4.45 0.7 0.81
19 CoreStat 16.69 19.59 5.53 5.97 0.54 0.58
20 Wachovia 17.62 17.67 4.02 4.16 0.17 0.24
21 SunTrust 18.89 14.48 4.36 4.49 0.49 0.54
22 Bankers 12.9 3.98 1.08 1.04 0.6 1.06
23 Barnett 17.44 16.54 5.24 4.88 0.57 0.57
24 Boatmen' 14.61 15.15 4.45 4.26 0.46 0.59
25 U.S. Ban 17.99 12.9 5.32 5.38 0.52 0.52
26 MBNA Cor 34.46 35.51 5.52 5.74 0.01 0.36
27 Republic 15.24 11.73 2.48 2.61 0.27 0.23
28 Comerica 18.33 16.46 4.54 4.19 0.53 0.46
29 HSBC Ame 21.33 18.58 4.94 5.06 1.68 2.15
30 Fifth Th 17.8 18.13 3.99 3.9 0.17 0.24
31 State St 18.1 16.66 2.23 2.02 0.04 0.07
32 Southern 17.21 11.56 4.45 4.05 0.39 0.33
33 First USN.A. 40.4N.A. 5.41N.A. N.A.
34 Huntingt 17.33 16.27 4.11 4.15 0.32 0.43
35 Northern 18.64 17.58 2.25 2.3 0.1 0.17
36 First of 14.39 13.89 4.53 4.28 0.52 0.63
37 SouthTru 15.92 15.79 4.03 4.01 0.53 0.59
38 GreenwooN.A. 30.3N.A. 11.42N.A. 1.42
39 Firstar 15.95 15.11 4.51 4.55 0.48 0.51
40 Union Ba 13.4 15.07 4.75 5.21 0.54 0.74
41 Regions 15.19 15.81 4.27 4.1 0.39 0.33
42 Summit B 12.41 14.37 4.52 4.71 0.68 1.78
43 Crestar 12.28 12.88 4.44 4.61 0.48 0.51
44 Marshall 15.88 16.41 4.14 4.3 0.46 0.47
45 LaSalle 22.37 22.94 3.81 3.93 0.27 0.58
46 Mercanti 11.9 16.11 4.3 4.25 0.4 0.57
47 BanPonce 16.15 14.22 4.8 4.74 0.91 0.99
48 AmSouth 13.23 12.89 3.92 3.9 0.51 0.65
49 First Te 20.05 20.04 4.3 3.92 2.06 0.26
50 First Se 16.65 12.17 4.49 4.39 0.26 0.2
51 Harris B 12.08 13.7 3.72 3.75 0.17 0.35
52 Old Kent 15.86 14.76 4.41 4.46 0.39 0.45
53 Star Ban 18.95 17.59 4.78 4.44 0.41 0.42
54 Capital 33.47 19.75 7.31 5.35 1.88N.A.
55 First Em 17.6 17.16 4.45 4.43 0.82 0.84
56 Citizens 13.91 11.11 4.06 4.02 0.68 1.4
57 American 13.11 22.16 8.08 7.4N.A. N.A.
58 Synovus 19.11 17.92 5.19 5.15 0.42 0.44
59 European 21.6 20.39 4.25 4.41 0.23 0.25
60 Union Pl 10.61 15.92 4.41 4.59 0.54 0.37
61 Bancorp 12.43 11.87 3.84 3.72 0.59 0.43
62 First Ma 11.33 11.23 4.3 4.47 0.55 0.43
63 Compass 17.13 16.93 3.88 4.01 0.24 0.35
64 Signet B 14.35 14.65 4.73 5.07 0.33 0.49
65 HouseholN.A. 7.85N.A. 9.41N.A. 2.04
66 First Am 14.64 14.64 3.94 4 0.23 0.32
67 Commerce 14.29 12.72 4.4 4.5 0.41 0.35
68 First Co 16.95 11.41 4.79 4.68 0.35 1.17
69 Advanta N.A. N.A. N.A. N.A. N.A. N.A.
70 Mercanti 14.48 13.86 5.17 5.12 0.36 0.38
71 First Vi 13.38 13.34 5.06 5 0.31 0.35
72 Monogram 3.7 6.84N.A. 14.32 17.08N.A.
73 Central 13.75 13.99 3.88 3.59 0.51 0.61
74 Hibernia 13.71 19.22 4.89 4.7 0.41 0.56
75 Zions Ba 21.63 20.47 4.56 4.5 0.19 0.33
76 Michigan 7 11.27 4.41 4.85 1 1.39
77 Wilmingt 21.38 20.7 4.51 4.54 0.82 0.89
78 First DeN.A. N.A. N.A. N.A. N.A. N.A.
79 Deposit 15.15 14.58 4.77 4.75 0.35 0.48
80 Providen 17.83 18.37 3.96 3.86 0.42 0.77
81 First Ha 11.88 12.03 4.57 4.36 1.22 1.22
82 FirstMer 13.44 5.93 4.98 4.51 0.2 0.25
83 Dauphin 13.1 12.81 3.66 4 0.32 0.28
84 Sanwa Ba 19.97N.A. 4.84N.A. 0.85N.A.
85 CCB Fina 15.67 14.56 4.7 4.7 0.24 0.24
86 First Na 15.4 21 8.5 7.39 0.1 0.18
87 Keystone 14.11 14.06 4.49 4.49 0.51 0.52
88 First Co 15.09 15.02 4.66 4.53 0.34 0.24
89 Centura 15.02 15.44 4.66 4.76 0.36 0.4
90 Valley N 17.23 16.6 4.3 4.28 0.32 0.67
91 City Nat 17.82 13.92 5.87 6.26 1.4 1.34
92 Riggs Na 18.1 35.73 3.72 3.74 0.74 0.97
93 First Ci 11.35 11.66 3.57 4.02 0.28 0.34
94 Trustmar 13.07 13.23 4.33 4.31 0.21 0.28
95 Magna Gr 13.75 12.57 4.01 4.3 0.37 0.6
96 North Fo 14.48 18.46 4.5 5.18 0.39 2.06
97 Bank of 9.34 8.61 1.98 1.9 1.47 2.06
98 Old Nati 13.68 12.51 4.48 4.41 0.27 0.17
99 UMB Fina 10.02 8.7 4.16 4.17 0.18 0.07
100 National 19.44 18 3.89 4.14 N.A. N.A.
