+++ Banks are listed geographically and, within state, by asset order. Included are levels for tier 1 and total capital, and key capital ratios for Dec. 31, 1997, compared with Dec. 31, 1996 (dollar amounts in millions)

part 1 of 3

Total Tier 1 Capital

Rank Assets

1997 12/31/97 12/31/97

ALABAMA

28 SouthTrust Corp., Birmingham $30,906.40 $1,963.10

37 Regions Financial Corp., Birmingham 23,034.20 1,689.10

45 AmSouth Bancorp., Birmingham 18,622.30 NA

CALIFORNIA

5 BankAmerica Corp., San Francisco 260,159.00 17,291.00

10 Wells Fargo & Co., San Francisco 97,456.00 6,118.90

29 Unionbancal Corp., San Francisco 30,585.30 2,587.10

DELAWARE

40 MBNA Corp., Wilmington 21,305.50 2,283.80

FLORIDA

23 Barnett Banks Inc., Jacksonville (5) 46,438.00 NA

GEORGIA

19 SunTrust Banks Inc., Atlanta 57,982.70 3,458.10

HAWAII

49 Pacific Century Financial Corp., Honolul 14,995.50 1,036.60

ILLINOIS

9 First Chicago NBD Corp. 114,096.00 8,541.00

34 Northern Trust Corp., Chicago 25,315.40 1,762.10

36 LaSalle National Corp., Chicago (f) 24,876.00 NA

38 Harris Bankcorp, Chicago (f) 22,224.00 1,967.10

MASSACHUSETTS

12 Fleet Financial Group Inc., Boston 85,535.00 6,185.00

16 BankBoston Corp. 69,268.00 4,971.00

25 State Street Corp., Boston 37,975.00 2,259.10

MICHIGAN

26 Comerica Inc., Detroit 36,292.00 2,513.80

41 First of America Bank Corp., Kalamazoo 21,079.70 1,831.40

MINNESOTA

11 Norwest Corp., Minneapolis 88,540.20 5,525.00

15 U.S. Bancorp Inc., Minneapolis (3) 71,295.00 5,028.00

MISSOURI

31 Mercantile Bancorp. Inc., St. Louis 29,955.40 NA

NEW JERSEY

30 Summit Bancorp, Princeton 29,964.20 2,556.90

NEW YORK

1 Chase Manhattan Corp., New York 365,521.00 NA

2 Citicorp, New York 310,897.00 21,096.00

4 J.P. Morgan & Co., New York 262,159.00 11,854.00

7 Bankers Trust New York Corp. 140,102.00 6,431.00

18 Bank of New York Co. 59,953.00 4,509.30

20 Republic New York Corp. 55,638.40 4,118.30

27 HSBC Americas Inc., Buffalo (f) 31,517.60 2,039.20

50 First Empire State Corp., Buffalo 14,002.90 1,250.30

NORTH CAROLINA

3 NationsBank Corp., Charlotte (1) 264,562.00 13,593.00

6 First Union Corp., Charlotte (2) 157,274.00 10,216.00

17 Wachovia Corp., Winston-Salem (4) 65,397.10 5,465.10

32 BB&T Corp., Winston-Salem (6) 29,177.60 1,979.50

OHIO

8 Banc One Corp., Columbus 115,901.30 8,700.50

14 KeyCorp, Cleveland 73,699.00 4,504.00

21 National City Corp., Cleveland 54,683.50 3,609.80

33 Huntington Bancshares Inc., Columbus (7) 26,730.50 1,954.00

39 Fifth Third Bancorp, Cincinnati 21,375.00 2,081.00

PENNSYLVANIA

13 PNC Bank Corp., Pittsburgh 75,120.00 5,108.00

22 CoreStates Financial Corp., Philadelphia 48,461.00 3,757.00

24 Mellon Bank Corp., Pittsburgh 44,892.00 3,449.00

PUERTO RICO

44 Popular Inc., San Juan 19,300.10 1,335.40

RHODE ISLAND

48 Citizens Financial Group Inc., Providenc 16,790.80 1,070.50

TENNESSEE

46 Union Planters Corp., Memphis (8) 18,105.10 1,876.40

UTAH

47 First Security Corp., Salt Lake City 17,307.40 1,284.50

VIRGINIA

35 Crestar Financial Corp., Richmond 24,900.00 2,068.30

WISCONSIN

42 Firstar Corp., Milwaukee 19,843.70 1,634.90

43 Marshall & Ilsley Corp., Milwaukee 19,477.50 1,735.50

part 2 of 3

Total Risk Based CapitTier 1 Cap. Ratio

Rank

1997 12/31/96 12/31/97 12/31/96 12/31/9712/31/96

ALABAMA

28 SouthTru$1,550.00 $3,068.60 $2,495.00 7.72 7.33

37 Regions 1,416.00 2,083.40 1,780.00 10.48 10.81

45 AmSouth 1,103.00 NA 1,618.00 7.82 7.87

CALIFORNIA

5 BankAmer 17,044.00 26,556.00 25,880.00 7.53 7.77

10 Wells Fa 6,565.00 9,241.50 10,000.00 7.61 7.68

29 Unionban 2,396.00 3,188.20 2,948.00 8.96 9.08

DELAWARE

40 MBNA Cor 1,815.00 2,788.00 2,202.00 9.82 10.89

FLORIDA

23 Barnett 3,288.00 NA 4,249.00 NA 10.97

GEORGIA

19 SunTrust 3,034.00 5,973.80 4,422.00 7.22 7.46

HAWAII

49 Pacific 1,104.00 1,292.60 1,357.00 9.34 10.57

ILLINOIS

9 First Ch 9,186.00 12,659.00 13,332.00 7.9 9.2

34 Northern 1,341.00 2,344.70 1,944.00 9.61 8.19

36 LaSalle 1,069.00 NA 1,990.00 NA 6.56

38 Harris B 1,345.00 1,969.60 1,879.00 8.07 8.25

MASSACHUSETTS

12 Fleet Fi 6,027.00 9,227.00 8,933.00 7.3 7.64

16 BankBost 4,954.00 7,519.00 7,291.00 8 9.2

25 State St 1,818.00 2,273.50 1,847.00 13.7 13.4

MICHIGAN

26 Comerica 2,366.00 3,961.20 3,618.00 7.07 7.18

41 First of 1,561.00 2,383.00 2,110.00 11.33 9.76

MINNESOTA

11 Norwest 4,716.00 6,692.00 5,692.00 9.09 8.63

15 U.S. Ban 2,355.00 5,890.00 3,943.00 7.4 7.2

MISSOURI

31 Mercanti 1,438.00 NA 1,828.00 8.84 10.91

NEW JERSEY

30 Summit B 1,780.00 2,999.90 2,205.00 12.64 11.09

NEW YORK

1 Chase Ma 20,315.00 NA 29,365.00 7.9 8.15

2 Citicorp 19,800.00 31,156.00 28,900.00 8.34 8.4

4 J.P. Mor 11,449.00 17,860.00 16,297.00 8 8.8

7 Bankers 5,326.00 10,969.00 8,330.00 8.3 8.7

18 Bank of 4,642.00 6,811.90 7,132.00 7.89 8.39

20 Republic 3,757.00 6,850.60 6,339.00 12.97 13.8

27 HSBC Ame 2,005.00 2,915.40 2,860.00 9.36 11.92

50 First Em 889 1,558.10 1,198.00 10.69 8.4

NORTH CAROLINA

3 NationsB 12,384.00 22,787.00 20,208.00 6.5 7.76

6 First Un 7,633.00 16,277.00 12,843.00 8.44 7.33

17 Wachovia 3,987.00 7,203.30 5,534.00 9.18 9.34

32 BB&T Cor 1,666.00 2,724.30 2,093.00 9.9 11.7

OHIO

8 Banc One 8,079.00 13,409.30 11,731.00 8.5 9.25

14 KeyCorp, 4,442.00 7,333.00 7,243.00 6.65 7.94

21 National 3,977.00 5,622.50 5,981.00 8.12 9.84

33 Huntingt 1,351.00 2,025.40 1,948.00 8.83 7.84

39 Fifth Th 1,840.00 2,529.00 2,275.00 12.09 11.37

PENNSYLVANIA

13 PNC Bank 5,283.00 7,635.00 7,427.00 7.43 8.29

22 CoreStat 3,725.00 5,306.00 5,216.00 8.48 9.45

24 Mellon B 3,448.00 5,650.00 5,589.00 7.7 8.4

PUERTO RICO

44 Popular 1,119.00 1,598.50 1,365.00 12.17 11.59

RHODE ISLAND

48 Citizens 844 1,195.10 959 10.82 9.31

TENNESSEE

46 Union Pl 1,480.00 2,192.20 1,600.00 15.51 15.29

UTAH

47 First Se 1,191.00 1,633.60 1,523.00 10.58 11.34

VIRGINIA

35 Crestar 857 2,570.40 1,168.00 10.2 10.78

WISCONSIN

42 Firstar 1,637.00 1,875.40 1,888.00 10.21 11.67

43 Marshall 1,362.00 2,013.90 1,596.00 12.19 12.71

part 3 of 3

Total Cap. Ratio Leverage

Rank Cap. Ratio

1997 12/31/9712/31/9612/31/9712/31/96

ALABAMA

28 SouthTru 12.07 11.79 6.61 6.21

37 Regions 12.93 13.59 7.52 7.44

45 AmSouth 11.47 11.54 NA 6.2

CALIFORNIA

5 BankAmer 11.56 11.79 6.81 7.44

10 Wells Fa 11.49 11.7 6.95 6.65

29 Unionban 11.05 11.17 8.53 8.41

DELAWARE

40 MBNA Cor 11.99 13.22 11.13 11.21

FLORIDA

23 Barnett NA 14.17 NA 8.21

GEORGIA

19 SunTrust 12.48 10.87 6.49 6.4

HAWAII

49 Pacific 11.65 12.96 7.21 7.98

ILLINOIS

9 First Ch 11.7 13.3 7.8 9.3

34 Northern 12.78 11.87 6.87 6.42

36 LaSalle NA 12.21 NA 5.98

38 Harris B 10.83 11.53 6.75 6.81

MASSACHUSETTS

12 Fleet Fi 10.89 11.32 7.74 7.16

16 BankBost 12.1 13.6 7.4 8.2

25 State St 13.8 13.6 5.9 5.9

MICHIGAN

26 Comerica 11.14 10.99 7.09 7.07

41 First of 14.74 13.19 8.74 7.15

MINNESOTA

11 Norwest 11.01 10.42 6.63 6.15

15 U.S. Ban 11.6 12 7.3 6.8

MISSOURI

31 Mercanti 12.05 13.87 6.15 7.82

NEW JERSEY

30 Summit B 14.82 13.75 8.76 8.06

NEW YORK

1 Chase Ma 11.7 11.78 6 6.79

2 Citicorp 12.31 12.2 7.01 7.42

4 J.P. Mor 11.9 12.2 4.4 5.9

7 Bankers 14.2 13.7 4.4 5.5

18 Bank of 11.92 12.89 7.61 8.87

20 Republic 21.58 23.28 5.6 5.87

27 HSBC Ame 13.38 17 6.68 9.54

50 First Em 13.32 11.32 9.09 6.99

NORTH CAROLINA

3 NationsB 10.89 12.66 5.57 7.09

6 First Un 13.45 12.33 6.81 6.13

17 Wachovia 12.1 12.97 9.24 8.73

32 BB&T Cor 13.7 14.7 7.2 8

OHIO

8 Banc One 13.11 13.43 7.91 8.24

14 KeyCorp, 10.83 12.94 6.4 6.95

21 National 12.65 14.79 7.01 8.16

33 Huntingt 11.68 11.31 7.77 6.66

39 Fifth Th 14.7 14.06 10.16 9.22

PENNSYLVANIA

13 PNC Bank 11.11 11.65 7.3 7.7

22 CoreStat 11.98 13.23 7.97 8.46

24 Mellon B 12.7 13.6 8 8.3

PUERTO RICO

44 Popular 14.56 14.15 6.86 6.7

RHODE ISLAND

48 Citizens 12.07 10.57 7.02 5.79

TENNESSEE

46 Union Pl 18.12 16.52 10.48 9.61

UTAH

47 First Se 13.46 14.5 7.51 8.16

VIRGINIA

35 Crestar 12.6 14.7 9.2 7.43

WISCONSIN

42 Firstar 11.71 13.47 8.5 8.62

43 Marshall 14.14 14.9 9.25 9.61 ===

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