Rankings Derived from the Top 300 in Banks in Deposits and Assets (dollar amounts in millions, except notional value of deriviatives)

Top 25 in 12-Month Asset Growth (with asset ranks) +++

Rank Rank Assets

6/95 6/94 6/30/95 % Chge

235... Regions Bank of Louisiana, Baton Rouge 2,271 1,531

46 290 First of America Bank-Michigan NA 13,426 801

220 Bank One, Huntington, W. Va. 2,580 366

98 279 Bank of America, NA, Tempe, Ariz. 6,993 339

162 381 Chemical Bank, NA, Jericho, N.Y. 3,963 296

21 86 NatWest Bank, NA, Jersey City, N.J. 28,420 282

255... Firstar Bank Illinois, Chicago 1,994 254

211... Norwest Bank Wyoming, NA, Casper 2,741 221

218 371 First Midwest Bank, NA, Itasca, Ill. 2,655 160

19 49 NationsBank, NA, Richmond 29,385 158

68 137 Citibank (Nevada), NA, Las Vegas 10,007 127

188 293 Bank One, Colorado, NA, Denver 3,213 124

75 146 Old Kent Bank & Trust Co., Grand Rapids 9,190 119

241 379 Norwest Bank, New Mexico, NA 2,110 109

227 334 Firstar Bank of Minnesota, NA 2,413 103

63 124 SouthTrust Bank of Alabama, NA 10,507 102

256 376 Compass Bank, Houston 1,988 96

39 75 Branch Banking & Trust Co.,, N.C. 16,037 94

45 82 Integra Bank, Pittsburgh 14,462 88

50 94 United Jersey Bank, Hackensack, N.J. 12,649 80

240 327 Huntington National Bank of W. Va. 2,153 74

174 237 Norwest Bank Arizona, NA, Phoenix 3,609 74

7 16 NationsBank, NA (Carolinas), Charlotte 50,059 73

282 385 Beneficial National Bank USA, Del. 1,670 69

163 220 Household Bank (Nevada), NA, Las Vegas 3,957 64

Top 25 in 12-Month Deposit Growth (with deposit ranks)

Rank Rank Deposits

6/95 6/94 6/30/95 % Chge

204 Bank of America, NA, Tempe, Ariz. 1,927 2,988

234 Regions Bank of La., Baton Rouge 1,616 1,227

35 280 First of America Bank-Michigan NA 11,280 859

209 Norwest Bank Wyoming, NA, Casper 1,837 488

196 Bank One, Huntington, W. Va. 2,052 398

20 85 NatWest Bank, NA, Jersey City, N.J. 19,595 265

255 Firstar Bank Illinois, Chicago 1,377 189

194 366 First Midwest Bank, NA, Itasca, Ill. 2,114 156

298 First Bank of South Dakota, NA 1,092 153

67 150 SouthTrust Bank of Alabama, NA 7,179 145

17 40 NationsBank, NA, Richmond 21,877 136

180 296 Bank One, Colorado, NA, Denver 2,382 129

64 135 Old Kent Bank & Trust Co., Grand Rapid 7,307 125

207 354 Norwest Bank, New Mexico, NA 1,851 115

291 M&I Madison Bank, Wis. 1,159 114

41 84 United Jersey Bank, Hackensack, N.J. 10,616 97

215 333 Compass Bank, Houston 1,771 95

262 423 FCC National Bank, Wilmington, Del. 1,323 92

201 290 Bank of New York (Delaware), Newark 1,965 79

38 69 Branch Banking & Trust Co., N.C. 11,038 77

229 322 Huntington National Bank of W. Va. 1,647 76

238 336 Firstar Bank of Minnesota, NA 1,581 74

43 75 Integra Bank, Pittsburgh 10,309 74

144 214 Norwest Bank Arizona, NA, Phoenix 3,172 74

15 26 NationsBank, NA (Carolinas), Charlotte 23,889 71

The Best Efficient Ratios: First Half of 1995

Effi.Asset 1H 95 F1994

Rank Rank Eff.Rat. Eff. Rat.

1 211 Norwest Bank Wyoming, NA, Casper 14.85 35.52

2 296 Bankers Trust (Delaware), Wilmington 23.41 19.67

3 61 American Express Centurion Bank, Del. 30.2 35

4 85 Bank of New York (Delaware), Newark 33.13 36.63

5 217 Monogram Credit Card Bank, Atlanta 33.83 37.45

6 282 Beneficial National Bank USA, Del. 35.84 46.97

7 68 Citibank (Nevada), NA, Las Vegas 38.22 35.38

8 122 FCC National Bank, Wilmington, Del. 38.91 38.39

9 230 Natwest Bank Delaware, Wilmington 39.52 N/A

10 185 Mellon Bank (Delaware), NA, Wilmington 40.81 44.56

11 205 North Fork Bank, Mattituck, N.Y. 41.73 57.58

12 82 Chase Manhattan Bank (USA), Del. 42.94 43.61

13 156 Bank of New York (NJ), Rutherford 42.95 44.34

14 234 Fifth Third Bank of NW Ohio, NA, Toled 44.54 45.89

15 183 J.P. Morgan Delaware, Wilmington 44.85 26.37

16 163 Household Bank (Nevada), NA, 45.5 51.3

17 247 Merrill Lynch Bank & Trust Co., N.J. 45.56 33.31

18 191 Rhode Island Hospital Tr. NB, Providen 45.8 60.14

19 178 Citibank (Delaware), New Castle 46.15 47.88

20 80 Bank of Tokyo Trust Co., New York 46.75 48.78

21 145 Norwest Bank South Dakota, NA 46.95 57.74

22 150 Valley National Bank, Passaic, N.J. 47.87 47.08

23 294 Custodial Trust Co., Princeton, N.J. 48.04 49.91

24 266 Huntington Banks of Michigan, Troy 48.49 49.4

25 246 Trustco Bank, NA, Schenectady, N.Y. 49 43.36

Top 25 in First Half of 1995 Net Income

Rank Asset 1st Half Full Yr

1H95 Rank 1995 1994

1 1 Citibank, NA, New York 1,207.00 1,863.00

2 2 Bank of America NT&SA, San Francisco 797 1,704.00

3 3 Chemical Bank, New York 521 798

4 8 Wells Fargo Bank, NA, San Francisco 472.5 848.8

5 5 Chase Manhattan Bank, NA, New York 342 810.8

6 12 Bank of New York 334.9 549

7 15 Mellon Bank, NA, Pittsburgh 284.4 385.6

8 4 Morgan Guaranty Trust Co., New York 253.7 996.4

0 10 NationsBank of Texas, NA, Dallas 247.1 349

10 14 First Union National Bank of Florida 243.9 475.4

11 68 Citibank (Nevada), NA, Las Vegas 239.4 563.6

12 122 FCC National Bank, Wilmington, Del. 221.9 393.2

13 16 First Fidelity Bank, NA, Elkton, Md. 215.4 408.5

14 66 Citibank (South Dakota), NA, Sioux Fal 215 473.9

15 19 NationsBank, NA, Richmond 204.7 362.1

16 22 First Interstate Bank of Calif., Los A 201.7 244.8

17 18 NBD Bank, NA, Detroit 181.6 376.9

18 11 PNC Bank, NA, Pittsburgh 180.1 413.2

19 37 Seattle-First National Bank 175 288

20 26 Society National Bank, Cleveland 168.7 379.2

21 20 Comerica Bank, Detroit 146.7 375.4

22 40 First Bank NA, Minneapolis 142.1 256.9

23 44 Key Bank of New York, Albany 140.2 188.2

24 57 MBNA America Bank, NA, Newark, Del. 139.6 267

25 82 Chase Manhattan Bank (USA), Del. 137.1 269.9

Top 25 Return on Average Assets: First Half of 1995

ROA Asset ROA ROA

Rank Rank 1H95 1994

1 122 FCC National Bank, Wilmington, Del. 7.03 7.03

2 272 First Deposit National Bank, Tilton, N 5.96 4.89

3 68 Citibank (Nevada), NA, Las Vegas 5.71 11.91

4 285 Colonial National Bank USA, Clayton, D 5.47 4.74

5 66 Citibank (South Dakota), NA, Sioux Fal 4.37 5.77

6 118 First USA Bank, Wilmington, Del. 3.67 3.63

7 178 Citibank (Delaware), New Castle 3.61 3.33

8 81 Greenwood Trust Co., New Castle, Del. 3.24 5.49

9 282 Beneficial National Bank USA, Del. 3.21 0.27

10 211 Norwest Bank Wyoming, NA, Casper 3.04 2.13

11 217 Monogram Credit Card Bank, Atlanta 2.93 2.74

12 57 MBNA America Bank, NA, Newark, Del. 2.85 3.44

13 82 Chase Manhattan Bank (USA), Del. 2.84 3.05

14 296 Bankers Trust (Delaware), Wilmington 2.79 3.19

15 295 Columbus Bank & Trust Co., Ga. 2.43 2.66

16 306 Northern Trust Bank of Fla. NA, Miami 2.3 2.49

17 85 Bank of New York (Delaware), Newark 2.25 2.59

18 61 American Express Centurion Bank, Del. 2.24 2.23

19 37 Seattle-First National Bank 2.23 1.92

20 209 First National Bank, Omaha, Neb. 2.14 2.14

21 175 First Interstate Bank of Nevada, NA 2.1 3.33

22 62 United States National Bank, Portland 2.03 1.49

23 191 Rhode Island Hospital Tr. NB, Providen 2.01 1.4

24 40 First Bank NA, Minneapolis 1.98 1.8

25 159 Capital One Bank, Glen Allen, Va. 1.96N/A

Top 25 Return on Average Equity: First Half of 1995

ROE Asset ROE ROE

Rank Rank 1H95 1994

1 272 First Deposit National Bank, Tilton, N 70.99 58.32

2 285 Colonial National Bank USA, Clayton, D 63.04 59.01

3 68 Citibank (Nevada), NA, Las Vegas 60.99 85.88

4 211 Norwest Bank Wyoming, NA, Casper 58.9 29

5 122 FCC National Bank, Wilmington, Del. 52.82 54.97

6 118 First USA Bank, Wilmington, Del. 42.8 49.09

7 66 Citibank (South Dakota), NA, Sioux Fal 42.06 45.08

8 57 MBNA America Bank, NA, Newark, Del. 39.54 45.96

9 175 First Interstate Bank of Nevada, NA 35.84 51.23

10 282 Beneficial National Bank USA,, Del. 34.98 2.33

11 145 Norwest Bank South Dakota, NA 34.61 23.02

12 108 Norwest Bank Iowa, NA, Des Moines 34.21 36.44

13 306 Northern Trust Bank of Florida NA, Mia 30.91 35.13

14 209 First National Bank, Omaha, Neb. 30.45 30.31

15 103 Citibank (New York State), Pittsford 30.27 29.75

16 225 First Union National Bank of South Car 29.34 22.15

17 85 Bank of New York (Delaware), Newark 28.86 34.91

18 51 Bank One, Arizona, NA, Phoenix 28.51 22.09

19 81 Greenwood Trust Co., New Castle, Del. 28.5 45.98

20 176 Signet Bank/Maryland, Baltimore 27.99 9.45

21 231 FirstBank Puerto Rico, Santurce 25.42 N/A

22 181 Bank One, Dayton, NA, Ohio 25.27 20.11

23 251 Norwest Bank Nebraska, NA, Omaha 25.08 33.15

24 44 Key Bank of New York, Albany 24.98 16.95

25 61 American Express Centurion Bank, Del. 24.94 23.79

Top 25 in Small Business Lending

SBL SBL $SBL $SBL

95 Rk 94 Rk Jun-95 Jun-94

1 2 Wells Fargo Bank, NA , San Francisco 1,875.60 1,439.80

2 1 NatWest Bank, NA, Jersey City, N.J. 1,625.80 1,462.20

3 28 Marine Midland Bank, Buffalo, N.Y 1,577.60 722.9

4 7 Norwest Bank Minn., NA, Minneapolis 1,133.10 958.8

5 5 PNC Bank, NA, Pittsburgh 1,101.60 1,027.70

6 4 Bank of America NT&SA, San Francisco 1,078.00 1,032.00

7 9 NBD Bank, Detroit 1,074.70 916.8

8 3 NationsBank, NA, Richmond 1,041.20 1,159.80

9 14 NationsBank of Georgia, NA, Atlanta 1,024.50 868

10 6 Comerica Bank, Detroit 1,019.10 992

11 8 Seattle-First National Bank 1,003.00 953

12 30 Chemical Bank, New York 1,001.00 662

13 12 First National Bank, Boston 985.2 881.9

14 18 AmSouth Bank of Alabama, Birmingham 977.1 829.5

15 15 NationsBank, NA (Carolinas), Charlotte 947.5 863.8

16 17 Midlantic National Bank Newark, N.J. 899.5 840.3

17 33 Key Bank of Washington, Tacoma 888.8 646

18 13 CoreStates Bank, NA , Philadelphia 872.2 870.1

19 26 First Tennessee Bank NA , Memphis 871.6 726.4

20 27 Texas Commerce Bank ,NA , Houston 852.8 724.8

21 23 Citibank, NA, New York 849.5 777.8

22 19 Meridian Bank, Reading, Pa. 833.7 819.2

23 16 Society National Bank , Cleveland 829.6 852.6

24 122 Banco Popular de Puerto Rico 784 213

25 48 Branch Banking & Trust Co., N.C. 772.3 724.9

Top 25 Derivative Traders: Notional Value ($ Billion)

Deriv Asset Not'l Val.Trade Rev.

Rank Rank ($ Bii) 1H95($mil)

1 3 Chemical Bank, New York 3,424.10 202

2 4 Morgan Guaranty Trust Co., New York 2,729.30 567.73

3 1 Citibank, NA, New York 2,560.40 821

4 6 Bankers Trust Co., New York 1,842.60 -27

5 2 Bank of America NT&SA, San Fran. 1,682.80 160

6 5 Chase Manhattan Bank, NA, New York 1,425.40 183

7 7 NationsBank, NA (Carolinas), Charlotte 897.5 84.11

8 9 First National Bank, Chicago 686 56.31

9 17 Republic National Bank of New York 257.4 109.15

10 13 First National Bank, Boston 64.2 17.3

11 12 Bank of New York 62.4 22.78

12 23 State Street Bank & Trust Co., Boston 48.6 73.39

13 37 Seattle-First National Bank 29.7 11

14 25 First Union National Bank of N.C. 22.1 14.62

15 15 Mellon Bank, NA, Pittsburgh 21.7 8.33

16 54 Harris Trust & Savings Bank, Chicago 16.5 9.98

17 134 Boston Safe Deposit & Trust Co. 15.6 39.38

18 41 Northern Trust Co., Chicago 13.4 26.38

19 34 Bank of America Illinois, Chicago 11.8 11

20 21 NatWest Bank, NA, Jersey City, N.J. 11.5 8.44

21 183 J.P. Morgan Delaware, Wilmington 8.4 -0.03

22 18 NBD Bank, NA, Detroit 7.8 9.08

23 42 Shawmut Bank, NA, Boston 7.5 -1.14

24 35 Norwest Bank Minnesota, NA 7.5 4.1

25 120 First Security Bank of Utah, NA 7 3.01

Top 25 in Derivatives: Hedging and Other Purposes

Deriv Asset Not'l Val.Earnings

Rank Rank ($ Bil.) 1H95($mil)

1 4 Morgan Guaranty Trust Co., New York 312.2 186.4

2 3 Chemical Bank, New York 162.3 185

3 1 Citibank, NA, New York 138.5 233

4 5 Chase Manhattan Bank, NA, New York 51.1 7

5 2 Bank of America NT&SA, San Fran. 43.6 -7

6 21 NatWest Bank, NA, Jersey City, N.J. 38.9 -8.07

7 25 First Union National Bank of N.C. 36.9 -15.5

8 6 Bankers Trust Co., New York 35.4 93

9 8 Wells Fargo Bank, NA, San Francisco 28.2 -1.17

10 107 Bank One, Columbus, NA, Ohio 27.5 -7.41

11 11 PNC Bank, NA, Pittsburgh 26.6 -68.44

12 7 NationsBank, NA (Carolinas), Charlotte 25.2 -54.18

13 13 First National Bank, Boston 24.3 16.65

14 66 Citibank (South Dakota), NA, Sioux Fal 24 1.2

15 68 Citibank (Nevada), NA, Las Vegas 20.2 4.03

16 69 National City Bank, Cleveland 18.2 -5.19

17 31 Marine Midland Bank, Buffalo, N.Y. 15.4 5.84

18 28 CoreStates Bank, NA, Philadelphia 13 4.8

19 15 Mellon Bank, NA, Pittsburgh 13 0.47

20 67 Fleet National Bank, Providence, R.I. 12.9 -1.27

21 34 Bank of America Illinois, Chicago 12.3 1

22 37 Seattle-First National Bank 11.2 -1

23 33 Bank One, Texas, NA, Dallas 9.6 -13.79

24 17 Republic National Bank of New York 9.2 1.7

25 26 Society National Bank, Cleveland 9.1 14.69 ===

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