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/SECOND AND FINAL ADD -- NY087 -- MARK TWAIN BANCSHARES/

 CONSOLIDATED BALANCE SHEET AND NET INTEREST MARGIN
 Six Months Ended
 June 30, 1993
 Avg.
 Avg. Yield/
 Volume Interest Rate
 Assets
 Interest earnings assets:
 Loans(A) $1,498,350 $ 59,107 7.95
 Taxable investment
 securities 466,084 18,238 7.89
 Non-taxable investment
 securities(A) 6,056 255 8.49
 Trading account securities 39,065 1,302 6.72
 Mortgage loans held for resale 65,747 2,462 7.55
 Interest bearing
 deposits with bank 485 8 3.33
 Federal funds sold and
 securities purchased under
 resale agreements 11,946 193 3.26
 Total interest earning assets 2,087,733 81,565 7.88
 Non-interest earning assets:
 Cash and due from banks 96,315
 Other assets 101,032
 Allowance for loan losses (24,357)
 Total $2,260,723
 Liabilities and Shareholders' Equity
 Interest bearing liabilities:
 Interest bearing
 demand deposits $ 203,821 2,450 2.42
 Savings and money
 market deposits 666,650 9,618 2.91
 Time deposits 686,098 14,630 4.30
 Short-term borrowings 156,865 2,415 3.10
 Long-term debt 25,150 969 7.77
 Total interest bearing
 liabilities $1,738,584 30,082 3.49
 Non-interest bearing liabilities:
 Non-interest bearing deposits 319,546
 Other liabilities 25,548
 Shareholders' equity 177,045
 Total $2,260,723
 Net interest income $ 51,483
 Net interest margin 4.97
 CONSOLIDATED BALANCE SHEET AND NET INTEREST MARGIN
 Six Months Ended
 June 30, 1992
 Avg.
 Avg. Yield/
 Volume Interest Rate
 Assets
 Interest earnings assets:
 Loans(A) $1,483,841 $ 64,091 8.69
 Taxable investment securities 404,373 16,901 8.41
 Non-taxable investment
 securities(A) 8,479 363 8.61
 Trading account securities 22,265 776 7.01
 Mortgage loans held for resale 81,988 3,094 7.46
 Interest bearing
 deposits with bank 577 12 4.18
 Federal funds sold and securities
 purchased under
 resale agreements 7,255 152 4.21
 Total interest
 earnings assets 2,008,778 85,389 8.55
 Non-interest earning assets:
 Cash and due from banks 89,653
 Other assets 102,101
 Allowance for loan losses (23,298)
 Total $2,177,234
 Liabilities and Shareholders' Equity
 Interest bearing liabilities:
 Interest bearing
 demand deposits $ 173,071 3,222 3.74
 Savings and money
 market deposits 676,231 13,596 4.04
 Time deposits 713,572 19,329 5.45
 Short-term borrowings 134,382 2,818 4.22
 Long-term debt 26,846 1,031 7.72
 Total interest bearing
 liabilities $1,724,103 39,996 4.67
 Non-interest bearing liabilities:
 Non-interest bearing deposits 270,255
 Other liabilities 30,869
 Shareholders' equity 152,007
 Total $2,177,234
 Net interest income $ 45,393
 Net interest margin 4.54
 (A) Fully tax-equivalent using tax rate of 34 percent in 1993 and
 1992.
 SUMMARY OF ALLOWANCE FOR LOAN LOSSES
 Allowance for Loan Losses
 Six months ended June 30, 1993 1992
 Balance, beginning of period $23,794 $22,412
 Allowance of acquired bank 565 ---
 Provision for loan losses 3,793 4,867
 Charge-offs (4,471) (4,121)
 Recoveries 619 455
 Net charge-offs (3,852) (3,666)
 Balance, end of period $24,300 $23,613
 Loans, net of unearned income at
 June 30 $1,517,625 $1,456,573
 Average loan balance for the period $1,498,350 $1,483,841
 Allowance as percentage of total loans at
 end of period 1.60 percent 1.62 percent
 Allowance as percentage of
 non-performing loans 232.29 237.65
 Net charge-offs as percentage of average loans
 for the period .26 .25
 Annualized net charge-offs as percentage of
 average loans for the period .52 .50
 NON-PERFORMING ASSETS
 Non-performing Assets
 June 30, March 31, December 31,
 1993 1993 1992
 Non-accrual loans $9,933 $13,450 $14,513
 Restructured loans 0 0 0
 Foreclosed real estate 13,797 15,514 10,894
 Total non-performing
 assets $23,730 $28,964 $25,407
 Percentage of non-performing
 assets to loans plus
 foreclosed real estate 1.55 1.92 1.75
 Loans contractually past due
 ninety days or more $528 $958 $768
 Percentage of non-performing
 assets plus ninety days past
 due to loans plus foreclosed
 real estate 1.58 1.98 1.80
 Percentage of allowance to
 non-performing loans 232.29 168.64 155.71
 Percentage of allowance to
 total non-performing assets 102.40 83.89 93.65
 Percentage of allowance to
 risk elements(A) 100.17 81.20 90.90
 Percentage of risk elements(A)
 to total average assets 1.07 1.34 1.20
 (A) Risk elements include total non-performing assets plus loans
 contractually past due ninety days or more.
 MARK TWAIN BANCSHARES, INC. AND SUBSIDIARIES
 COMPUTATION OF EARNINGS PER SHARE
 For the Three Months Ended
 June 30,
 1993 1992
 Primary
 Earnings:
 Net Income $8,187 $6,600
 Shares:
 Weighted average number of
 common shares outstanding 14,082,351 13,464,441
 Weighted average number of
 common share equivalents 230,700 182,781
 Total 14,313,051 13,647,222
 Primary earnings per common
 share $.57 $.48
 Assuming full dilution
 Earnings:
 Net Income $8,187 $6,600
 Add: After tax interest
 applicable to Convertible
 Notes 146 164
 Amortization of capital note fees 12 13
 Fully diluted net income $8,345 $6,777
 Shares:
 Weighted average number of common
 shares outstanding 14,082,351 13,464,441
 Assuming conversion of
 Convertible Notes and
 dilutive stock options 1,036,676 1,081,683
 Total 15,119,027 14,546,124
 Earnings per common share
 assuming full dilution $.55 $.47
 MARK TWAIN BANCSHARES, INC. AND SUBSIDIARIES
 COMPUTATION OF EARNINGS PER SHARE
 For the Six Months Ended
 June 30
 1993 1992
 Primary
 Earnings:
 Net Income $16,013 $12,740
 Shares:
 Weighted average number of
 common shares outstanding 14,009,580 13,454,244
 Weighted average number of
 common share equivalents 254,853 166,577
 Total 14,264,433 13,620,821
 Primary earnings per common
 share $1.12 $.94
 Assuming full dilution
 Earnings:
 Net Income $16,013 $12,740
 Add: After tax interest
 applicable to Variable and
 Fixed Interest Convertible
 Notes 305 330
 Amortization of capital note fees 24 26
 Fully diluted net income $16,342 $13,096
 Shares:
 Weighted average number of common
 shares outstanding 14,009,580 13,454,244
 Assuming conversion of
 Variable and Fixed Interest
 Convertible Notes and
 dilutive stock options 1,089,540 1,084,218
 Total 15,099,120 14,538,462
 Earnings per common shares
 assuming full dilution $1.08 $.90
 -0- 7/14/93 AB NY087
 /PRNewswire -- July 14/
 /END SECOND AND FINAL ADD/
 (MTWN)


CO: Mark Twain Bancshares ST: Missouri IN: FIN SU: ERN

LD -- NY087B -- 1659 07/14/93 18:15 EDT
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Date:Jul 14, 1993
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