+++ Based on net income after accounting changes and extraordinary items (dollar amounts in millions)

part 1 of 3

Rank Net Income For Full Year

1997 Name 1997 1996

1 Chase Manhattan Corp., New York $3,708.00 $2,461.00

2 Citicorp, New York 3,591.00 3,788.00

3 BankAmerica Corp., San Francisco 3,210.00 2,873.00

4 NationsBank Corp., Charlotte, N.C. (1) 3,077.00 2,939.00

5 First Union Corp., Charlotte, N.C. (2) 1,896.00 1,623.90

6 First Chicago NBD Corp. 1,525.00 1,436.00

7 J.P. Morgan & Co., New York 1,465.00 1,574.10

8 Norwest Corp., Minneapolis 1,351.00 1,153.90

9 Banc One Corp., Columbus, Ohio 1,305.70 1,426.50

10 Fleet Financial Group Inc., Boston 1,303.00 1,138.80

11 Wells Fargo & Co., San Francisco 1,155.50 1,070.90

12 Bank of New York Co. 1,104.00 1,020.00

13 PNC Bank Corp., Pittsburgh 1,052.50 992.2

14 KeyCorp, Cleveland 919 783

15 BankBoston Corp. 879 650.2

16 Bankers Trust New York Corp. 866 612

17 U.S. Bancorp Inc. Minneapolis (3) 838.5 1,218.70

18 CoreStates Financial Corp., Philadelphia 813.3 649.1

19 National City Corp., Cleveland 807.4 736.6

20 Mellon Bank Corp., Pittsburgh 771 733

21 SunTrust Banks Inc., Atlanta 667.3 616.6

22 MBNA Corp., Wilmington, Del. 622.5 474.5

23 Wachovia Corp., Winston-Salem, N.C. (4) 592.8 757.3

24 Barnett Banks Inc., Jacksonville, Fla. (5) 574.8 564.5

25 Comerica Inc., Detroit 530 417.2

26 HSBC Americas Inc., Buffalo, N.Y. (f) 471 380.2

27 Republic New York Corp. 449.1 418.8

28 Unionbancal Corp., San Francisco 411.3 249.5

29 Fifth Third Bancorp, Cincinnati 401.2 335.1

30 State Street Corp., Boston 380 292.8

31 Summit Bancorp, Princeton, N.J. 371 229.2

32 BB&T Corp., Winston-Salem, N.C. (6) 359.9 283.7

33 First of America Bank Corp., Kalamazoo, Mi 314.8 256.9

34 Crestar Financial Corp., Richmond 309.8 218.3

35 Northern Trust Corp., Chicago 309.4 258.8

36 SouthTrust Corp., Birmingham, Ala. 306.7 254.7

37 Regions Financial Corp., Birmingham, Ala. 299.7 229.7

38 Firstar Corp., Milwaukee 295.2 250.2

39 Huntington Bancshares Inc., Columbus, Ohio 292.7 262.1

40 LaSalle National Corp., Chicago (f) 253.4 197.2

41 Marshall & Ilsley Corp., Milwaukee, Wis. 245.1 203.4

42 AmSouth Bancorp., Birmingham, Ala. 226.2 182.7

43 Popular Inc., San Juan, P.R. 209.6 185.2

44 Union Planters Corp., Memphis, Tenn. (8) 208.8 133.7

45 First Security Corp., Salt Lake City, Utah 205.9 177.8

46 Mercantile Bancorp. Inc., St. Louis, Mo. 204.6 191.9

47 Citizens Financial Group Inc., Providence, 184.6 149

48 Harris Bankcorp, Chicago (f) 180.6 161.5

49 First Empire State Corp., Buffalo, N.Y. 176.2 151.1

50 Pacific Century Financial Corp., Honolulu 139.5 133.1

part 2 of 3

PROFITABILITY RATIO (%)

Rank Rank Change Return on avg. aReturn on avg. equity

1997 Name 1996 In Rank 1997 1996 1997 1996

1 Chase Ma 3 2 1.05 0.77 18.73 12.48

2 Citicorp 1 -1 1.22 1.4 18.1 20.4

3 BankAmer 2 -1 1.26 1.19 16.69 15

4 NationsB 4 1.26 1.18 15.26 17.95

5 First Un 6 1 1.39 1.31 18.9 18.85

6 First Ch 7 1 1.41 1.28 18.6 17

7 J.P. Mor 5 -2 0.58 0.73 13.4 14.9

8 Norwest 9 1 1.65 1.51 22.1 21.9

9 Banc One 8 -1 1.16 1.48 13.22 17.11

10 Fleet Fi 10 1.59 1.37 18.1 17.43

11 Wells Fa 11 1.16 1.15 8.79 8.83

12 Bank of 12 1.98 1.9 22.13 19.98

13 PNC Bank 13 1.49 1.4 20.01 17.18

14 KeyCorp, 14 1.33 1.21 18.89 15.73

15 BankBost 18 3 1.35 1.09 20.05 14.47

16 Bankers 22 6 0.63 0.51 15.6 12.9

17 U.S. Ban 15 -2 1.22 2.09 14.6 23.8

18 CoreStat 19 1 1.74 1.48 24.18 16.69

19 National 16 -3 1.6 1.51 18.53 17.69

20 Mellon B 17 -3 1.8 1.74 21.59 20.4

21 SunTrust 21 1.3 1.35 21.13 18.89

22 MBNA Cor 26 4 3.25 3.26 35.56 34.46

23 Wachovia 20 -3 1.03 1.43 13.08 17.62

24 Barnett 23 -1 1.37 1.42 17.27 16.98

25 Comerica 28 3 1.52 1.4 21.32 18.33

26 HSBC Ame 29 3 1.62 1.83 22.93 21.33

27 Republic 27 0.82 0.86 14.69 15.24

28 Unionban 40 12 1.21 1.15 15.97 13.4

29 Fifth Th 30 1 1.96 1.78 19.6 17.8

30 State St 31 1 1.07 0.99 20.6 18.1

31 Summit B 42 11 1.28 1.03 14.92 12.41

32 BB&T Cor 32 1.34 1.38 17.01 17.21

33 First of 36 3 1.41 1.16 17.41 14.39

34 Crestar 43 9 1.42 1.01 16.46 12.28

35 Northern 35 1.29 1.23 20.17 18.64

36 SouthTru 37 1 1.09 1.09 15.72 15.92

37 Regions 41 4 1.41 1.29 16.29 15.19

38 Firstar 39 1 1.53 1.31 18.41 15.95

39 Huntingt 34 -5 1.16 1.31 15.44 17.33

40 LaSalle 54 14 1.11 1.18 17.38 22.37

41 Marshall 44 3 1.53 1.49 16.77 15.88

42 AmSouth 48 6 1.25 1.02 16.51 13.23

43 Popular 47 4 1.14 1.14 15.83 16.15

44 Union Pl 60 16 1.16 0.88 12.54 10.61

45 First Se 50 5 1.36 1.36 16.93 16.65

46 Mercanti 46 1.3 1.06 15.73 11.9

47 Citizens 56 9 1.16 1.3 18.51 13.91

48 Harris B 51 3 0.85 0.85 11.31 12.08

49 First Em 55 6 1.32 1.21 18.49 17.6

50 Pacific 61 11 0.98 0.99 12.57 12.43

part 3 of 3

OTHER PERFORMANCE RATIOS (%)

Rank Net Interest MarNonperf. Assets

1997 Name 1997 1996 1997 1996

1 Chase Ma 2.86 3.21 0.6 0.34

2 Citicorp 4.55 4.7 2 1.5

3 BankAmer 4.06 4.23 0.96 0.71

4 NationsB 3.79 3.62 0.79 0.56

5 First Un 4.36 4.21 0.75 0.54

6 First Ch 3.95 3.83 0.5 0.3

7 J.P. Mor 0.98 1.04 0.25 0.05

8 Norwest 5.74 5.63 0.54 0.25

9 Banc One 5.41 5.59 0.56 0.58

10 Fleet Fi 5.21 4.81 0.68 0.85

11 Wells Fa 5.99 6.11 1.55 0.9

12 Bank of 3.89 4.35 0.6 0.7

13 PNC Bank 3.92 3.83 0.61 0.63

14 KeyCorp, 4.62 4.78 0.81 0.59

15 BankBost 4.25 4.42 0.8 0.7

16 Bankers 1.33 1.08 2.5 0.6

17 U.S. Ban 5.04 4.89 0.62 0.38

18 CoreStat 5.22 5.53 0.77 0.54

19 National 4.25 4.44 0.42 0.33

20 Mellon B 4.24 4.2 0.62 0.41

21 SunTrust 4.11 4.36 0.38 0.49

22 MBNA Cor 4.86 5.52 1.63 0.01

23 Wachovia 4.14 4.02 0.28 0.17

24 Barnett 5.06 5.08 0.92 0.77

25 Comerica 4.53 4.54 0.36 0.53

26 HSBC Ame 4.05 4.94 1.75 1.68

27 Republic 2.36 2.48 0.14 0.27

28 Unionban 4.7 4.75 0.57 0.54

29 Fifth Th 4.11 3.99 0.29 0.17

30 State St 2.18 2.23 0.1 0.04

31 Summit B 4.26 4.52 0.53 0.68

32 BB&T Cor 4.55 4.45 0.6 0.39

33 First of 4.67 4.53 0.78 0.52

34 Crestar 4.47 4.44 0.55 0.48

35 Northern 2.18 2.25 0.34 0.1

36 SouthTru 3.94 4.03 0.8 0.53

37 Regions 4.27 4.27 0.7 0.39

38 Firstar 4.47 4.51 0.52 0.48

39 Huntingt 4.44 4.11 0.49 0.32

40 LaSalle 3.74 3.81 0.52 0.27

41 Marshall 3.99 4.14 0.63 0.46

42 AmSouth 4.09 3.92 0.68 0.51

43 Popular 4.51 4.8 1.86 0.91

44 Union Pl 4.79 4.41 1.13 0.54

45 First Se 4.37 4.49 0.36 0.26

46 Mercanti 3.93 4.3 0.62 0.4

47 Citizens 4.15 4.06 0.86 0.68

48 Harris B 3.6 3.72 0.2 0.17

49 First Em 4.38 4.45 0.77 0.82

50 Pacific 4.07 3.84 1.27 0.59 ===

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