U.S. BANKER RANKINGS       

 Five-Year Ranking of the 100 Largest US Banking Companies 
 Based on Return on Equity and Growth in Per-Share Earnings - 2000
 Earnings based on EPS after extraordinary items
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5-Yr   Av ROAE   5-Yr ROAE   5-Yr EPS   5-Yr EPS Gr   5-Yr
Rank   Company 96-'00 %   Rank Gr Rate %   Rank Score 
1 Morgan Stanley, New York. 24.52 6 33.75% 12 18
2 Charles Schwab Corp., San Francisco 27.47 3 29.10% 16 19
3 Merrill Lynch & Co., New York 22.08 8 33.83% 11 19
4 MBNA Corp., Wilmington, DE 31.98 2 27.18% 18 20
5 Capital One Fin. Corp., Falls Church, VA 24.80 5 28.71% 17 22
6 PNC Financial Services Group, Pittsburgh 19.72 15 36.96% 9 24
7 FleetBoston Financial Corp., Boston 17.59 27 46.96% 3 30
8 Household International, Prospect Heights, IL 17.78 26 43.63% 5 31
9 Raymond James Fin., St. Petersburg, FL 21.03 11 25.22% 21 32
10 Lehman Brothers Holdings, New York 17.16 31 50.65% 2 33
11 Bear Stearns Companies, New York 17.92 25 35.56% 10 35
12 Fannie Mae, Washington 23.50 7 17.18% 33 40
13 State Street Corp., Boston 20.83 13 20.84% 27 40
14 USA Education, Reston, VA 62.67 1 14.29% 41 42
15 TCF Financial Corp., Minneapolis 19.31 20 23.13% 22 42
16 North Fork Bancorp., New York 20.22 14 18.71% 29 43
17 Freddie Mac, McLean, VA 19.65 16 19.36% 28 44
18 Countrywide Credit Industries, Calabasas, CA   17.08 33 33.67% 13 46
19 Bank of New York Co., New York 25.19 4 13.77% 44 48
20 City National Corp., Beverly Hills, CA 18.30 23 21.05% 26 49
21 Northern Trust Corp., Chicago 19.34 19 17.49% 31 50
22 Synovus Financial Corp., Columbus, GA 19.55 17 15.93% 38 55
23 Washington Mutual, Seattle 14.77 52 44.57% 4 56
24 Comerica Inc., Detroit 19.51 18 14.84% 40 58
25 U.S. Bancorp, Minneapolis 16.93 35 22.96% 23 58
26 Mellon Financial Corp., Pittsburgh 21.82 9 12.44% 53 62
27 Commerce Bancorp, Cherry Hill, NJ 17.26 30 17.39% 32 62
28 Associated Banc-Corp, Green Bay, WI 14.93 49 30.11% 14 63
29 FirstMerit Corp., Akron, OH 14.02 59 42.08% 6 65
30 Cullen/Frost Bankers, San Antonio, TX 17.31 29 15.72% 39 68
31 Fifth Third Bancorp, Cincinnati 16.84 36 16.14% 36 72