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/FIRST ADD -- NY090 -- MARK TWAIN BANCSHARES EARNINGS/

 MARK TWAIN BANCSHARES, INC. AND SUBSIDIARIES
 Condensed Consolidated Statements of Condition
 (In thousands of dollars)
 Periods ended Dec. 31 1993 1992
 Assets
 Cash and due from banks $ 100,764 $ 105,464
 Interest bearing deposits
 with banks -- 598
 Federal funds sold and securities
 purchased under resale agreements 3,000 29,400
 Trading account securities 41,465 23,014
 Debt securities available for sale 205,811 --
 Mortgage loans held for resale 112,304 72,030
 Investment securities 268,102 458,834
 Loans, net of allowance for loan
 losses of $25,649 and $23,794,
 respectively 1,580,058 1,416,951
 Premises and equipment 26,597 27,180
 Accrued income receivable 13,507 13,400
 Other assets 56,417 66,258
 Total assets $2,408,025 $2,213,129
 Liabilities
 Non-interest bearing deposists $ 395,489 $ 345,507
 Interest bearing deposits 1,638,369 1,545,858
 Total deposits 2,033,858 1,891,365
 Short-term borrowings 127,552 94,408
 Other liabilities 23,178 33,692
 Long-term debt 22,391 26,272
 Total liabilities 2,206,979 2,045,737
 Shareholders' equity
 Common stock, $1.25 par value,
 authorized 30,000,000 shares,
 issued 15,087,864 and 14,125,764
 shares, respectively 18,860 17,657
 Surplus 50,213 43,706
 Undivided profits 133,994 109,380
 203,067 170,743
 Less common treasury stock at
 cost, 493,455 and 629,803
 shares, respectively 2,021 3,351
 Total shareholders' equity 201,046 167,392
 Total liabilities and
 shareholders' equity $2,408,025 $2,213,129
 MARK TWAIN BANCSHARES, INC. AND SUBSIDIARIES
 Condensed Consolidated Statements of Income
 (In thousands of dollars except for per share data)
 Periods ended Dec. 31 1993 1992 1993 1992
 Interest from earnings
 assets
 Interest and fees on loans $119,680 $122,496 $31,022 $28,949
 Interest on investment securities
 Taxable 30,479 34,720 5,454 9,129
 Non-taxable 323 460 79 107
 Interest on trading account
 securities 3,006 1,549 965 463
 Interest on debt securities
 for sale 4,520 -- 3,036 --
 Interest on mortgage loans
 held for resale 5,775 5,741 1,788 1,436
 Interest on deposits with banks 8 23 -- 6
 Interest on federal funds sold and
 securities purchased under resale
 agreements 444 882 100 289
 Total interest income 164,235 165,871 42,444 40,379
 Interest expense
 Interest on deposits 53,459 67,051 13,349 14,687
 Interest on short-term
 borrowings 4,037 4,643 791 949
 Interest on long-term debt 1,786 2,037 366 503
 Total interest expense 59,282 73,731 14,506 16,139
 Net interest income 104,953 92,140 27,938 24,240
 Provision for loan losses 5,948 8,150 1,206 1,830
 Net interest income after provision
 for loan losses 99,005 83,990 26,732 22,410
 Other income
 Service charges on deposit
 accounts 7,908 7,558 1,866 1,943
 Securities transactions 626 1,251 626 --
 Other 33,666 27,135 8,439 7,528
 Total other income 42,200 35,944 10,931 9,471
 Other expenses
 Salaries 39,464 35,098 10,784 9,881
 Employee benefits 6,283 5,675 1,504 1,333
 Net occupancy expense 8,620 7,396 2,146 1,823
 Furniture and equipment
 expense 3,996 3,590 1,054 951
 Other 31,827 27,724 8,020 7,487
 Total other expenses 90,190 79,483 23,508 21,475
 Income before income taxes 51,015 40,451 14,155 10,406
 Applicable income taxes 17,950 13,448 5,475 3,147
 Net income 33,065 27,003 8,680 7,259
 Net income per share:
 Primary $2.28 $1.98 $.59 $.53
 Fully diluted 2.21 1.90 .57 .51
 Common dividends paid per share .81 .68 .21 .17
 MARK TWAIN BANCSHARES, INC.
 Consolidated Balance Sheet and Net Interest Margin
 (Dollars in thousands)
 Year ended Dec. 31 1993 1992
 Avg. Avg. Avg. Avg.
 Volume Interest Yield/ Volume Interest Yield/
 Rate Rate
 Assets
 Interest earning assets:
 Loans (A) $1,524,203 $120,697 7.92% $1,469,996 $123,684 8.41%
 Taxable investment
 securities 410,081 30,479 7.43% 421,078 34,720 8.25%
 Non-taxable investment
 securities (A) 5,838 494 8.46% 8,081 692 8.56%
 Trading account
 securities 46,291 3,006 6.49% 24,375 1,549 6.35%
 Debt securities available
 for sale 53,632 4,520 8.43% -- -- --
 Mortgage loans held
 for resale 79,166 5,775 7.29% 76,165 5,741 7.54%
 Interest bearing
 deposits with bank 240 8 3.33% 584 23 3.94%
 Federal funds sold and
 securities purchased under
 resale agreements 13,371 444 3.32% 24,396 882 3.62%
 Total interest
 earning assets 2,132,822 165,423 7.76% 2,024,675 167,291 8.26%
 Non-interest
 earning assets:
 Cash and due
 from banks 103,937 84,531
 Other assets 103,489 100,476
 Allowance for
 loan losses (24,663) (23,647)
 Total 2,315,585 2,186,035
 Liabilities and Shareholders' Equity
 Interest bearing liabilities:
 Interest bearing
 demand deposits 208,460 4,757 2.28% 179,654 5,827 3.24%
 Savings and money
 market deposits 673,257 19,225 2.86% 673,899 24,432 3.63%
 Time deposits 709,328 29,477 4.16% 721,014 36,792 5.10%
 Short-term
 borrowings 136,373 4,037 2.96% 119,717 4,643 3.88%
 Long-term debt 23,993 1,786 7.44% 26,566 2,037 7.67%
 Total interest bearing
 liabilities 1,751,411 59,282 3.38% 1,720,850 73,731 4.28%
 Non-interest
 bearing
 liabilities:
 Non-interest
 bearing
 deposits 350,580 278,408
 Other liabilities 28,771 30,080
 Shareholders'
 equity 184,823 156,697
 Total 2,315,585 2,186,035
 Net interest income 106,141 93,560
 Net interest margin 4.98% 4.62%
 (A) Fully tax-equivalent using tax rate of 35% and 34% in 1993 and 1992, respectively.
 MARK TWAIN BANCSHARES, INC.
 Consolidated Balance Sheet and Net Interest Margin
 (In thousands of dollars)
 Three months
 ended Dec. 31 1993 1992
 Avg. Avg. Avg. Avg.
 volume Interset Yield/ volume Interest Yield/
 Rate Rate
 Assets
 Interest earning
 assets:
 Loans (A) $1,565,401 $31,294 7.93% 1,451,411 29,240 8.01%
 Taxable investment
 securities 320,497 5,454 6.75% 448,374 9,129 8.10%
 Non-taxable investment
 securities (A) 5,879 121 8.17% 7,540 160 8.44%
 Trading account
 securities 59,161 965 6.47% 29,979 463 6.14%
 Debt securities
 available for
 sale 147,584 3,036 8.16% -- -- --
 Mortgage loans
 held for resale 102,744 1,788 6.90% 79,080 1,436 7.22%
 Interest bearing
 deposits with
 bank -- -- -- 593 6 4.03%
 Federal funds sold
 and securities
 purchased under
 resale agreements 11,487 100 3.45% 30,637 289 3.75%
 Total interest
 earnings assets: 2,212,753 42,758 7.67% 2,047,614 40,723 7.91%
 Non-interest earning assets:
 Cash and due from
 banks 117,125 90,003
 Other assets 106,684 96,305
 Allowance for loan
 losses (25,357) (24,170)
 Total 2,411,205 2,209,752
 Liabilities and shareholders' equity
 Interest bearing liabilities:
 Interest bearing
 demand deposits 214,180 1,113 2.06% 188,875 1,236 2.60%
 Savings and money
 market deposits 694,559 4,823 2.75% 676,818 5,221 3.07%
 Time deposits 734,390 7,413 4.00% 703,604 8,230 4.65%
 Short-term
 borrowings 116,171 791 2.70% 110,847 949 3.41%
 Long-term debt 22,596 366 6.43% 26,274 503 7.62%
 Total interest
 bearing
 liabilities 1,781,896 14,506 3.23% 1,706,418 16,139 3.76%
 Non-interest bearing liabilities:
 Non-interest
 bearing deposits 399,288 307,055
 Other liabilities 33,929 32,336
 Shareholders' equity 196,092 163,943
 Total 2,411,205 2,209,752
 Net interest income 28,252 24,584
 Net interest margin 5.07% 4.78%
 (A) Fully tax-equivalent using tax rate of 35% and 34% in 1993 and 1992, respectively.
 -0- 1/13/94 AA NY090
 /SECOND AND FINAL ADD -- TABULAR MATERIAL -- TO FOLLOW/
 /PRNewswire -- Jan. 13/
 (MTWN)


CO: Mark Twain Bancshares, Inc. ST: Missouri IN: FIN SU: ERN

GK-PS -- NY090A -- 1981 01/13/94 19:26 EST
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