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/SECOND AND FINAL ADD -- NY090 -- MARK TWAIN BANCSHARES EARNINGS/

 MARK TWAIN BANCSHARES, INC.
 Non-Performing Assets
 (in thousands of dollars)
 Periods Ended 12/31/93 9/30/93 6/30/93 3/31/93 12/31/92
 Non-accrual loans $8,782 $9,956 $9,933 $13,450 $14,513
 Restructured loans 484 484 -- -- --
 Foreclosed real estate 10,701 11,985 13,797 15,514 10,894
 Total non-performing
 assets $19,967 $22,425 $23,730 $28,964 $25,407
 Percentage of non-
 performing assets to
 loans plus foreclosed
 real estate 1.24% 1.41% 1.55% 1.92% 1.75%
 Loans contractually past
 due ninety days or more $251 $568 $528 $958 $768
 Percentage of non-
 performing assets plus
 ninety days past due to
 loans plus foreclosed
 real estate 1.25% 1.45% 1.58% 1.98% 1.80%
 Percentage of allowance
 to non-performing
 loans 269.51% 228.93% 232.29% 168.64% 155.71%
 Percentage of allowance
 to total non-performing
 assets 128.46% 112.38% 102.40% 83.89% 93.65%
 Percentage of allowance
 to risk elements (A) 126.86% 109.60% 100.17% 81.20% 90.90%
 Percentage of risk
 elements to total
 average assets (A) 0.87% 1.01% 1.07% 1.34% 1.20%
 Note: (A) Risk elements include total non-performing assets plus loans contractually past due ninety days or more.
 MARK TWAIN BANCSHARES, INC.
 Summary of Allowance For Loan Losses
 (in thousands of dollars)
 Periods Ended Year Three Months
 Dec. 31, 1993 1992 1993 1992
 Balance, beginning of
 period $23,794 $22,412 $25,201 $24,136
 Allowance of acquired
 banks 1,091 -- -- --
 Provision for loan losses 5,948 8,150 1,206 1,830
 Charge-offs (6,631) (7,979) (1,090) (2,588)
 Recoveries 1,447 1,211 332 416
 Net charge-offs (5,184) (6,768) (758) (2,172)
 Balance, end of period $25,649 $23,794 $25,649 $23,794
 Loans, net of unearned
 income at Dec. 31 $1,605,707 $1,440,745 $1,605,707 $1,440,745
 Average loan balance
 for the period $1,524,203 $1,469,996 $1,565,401 $1,451,411
 Allowance as % of
 total loans at end
 of period 1.60% 1.65% -- --
 Allowance as % of
 non-performing loans 269.51% 155.71% -- --
 Net charge-offs as % of
 average loans for the
 period .34% .46% .05% .15%
 Annualized net charge-offs
 as % of average loans for
 the period -- -- .20% .60%
 MARK TWAIN BANCSHARES, INC. AND SUBSIDIARIES
 Computation of Earnings Per Share
 (in thousands of dollars except for per share data)
 Year Ended Dec. 31, 1993 1992
 Primary
 Earnings:
 Net income $33,065 $27,003
 Shares:
 Weighted average number of common
 shares outstanding 14,255,881 13,470,850
 Weighted average number of common
 share equivalents 238,574 181,725
 14,494,455 13,652,575
 Primary earnings per common share $2.28 $1.98
 Assuming full dilution
 Earnings:
 Net income $33,065 $27,003
 Add: After tax interest applicable
 to convertible notes 505 655
 Amortization of capital note fees 115 52
 Fully diluted net income $33,685 $27,710
 Shares:
 Weighted average number of common
 shares outstanding 14,255,881 13,470,850
 Assuming conversion of convertible
 notes and dilutive stock options 1,003,117 1,121,510
 15,258,998 14,592,360
 Earning per common share assuming
 full dilution $2.21 $1.90
 MARK TWAIN BANCSHARES, INC. AND SUBSIDIARIES
 Computation of Earnings Per Share
 (in thousands of dollars except for per share data)
 Three Months Ended Dec. 31, 1993 1992
 Primary
 Earnings:
 Net income $8,680 $7,259
 Shares:
 Weighted average number of
 common shares outstanding 14,576,703 13,490,484
 Weighted average number of
 common share equivalents 223,431 212,604
 14,800,134 13,703,088
 Primary earnings per common share $.59 $.53
 Assuming full dilution
 Earnings:
 Net income $8,680 $7,259
 Add: After tax interest applicable
 to convertible notes 75 162
 Amortization of capital note fees 20 13
 Fully diluted net income $8,775 $7,434
 Shares:
 Weighted average number of common
 shares outstanding 14,576,703 13,490,484
 Assuming conversion of convertible
 notes and dilutive stock options 897,155 1,113,403
 15,473,858 14,603,887
 Earning per common share assuming
 full dilution $.57 $.51
 -0- 1/13/94 AB NY090
 /END SECOND AND FINAL ADD/
 /PRNewswire -- Jan. 13/
 (MTWN)


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

LD -- NY090B -- 1982 01/13/94 19:27 EST
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Date:Jan 13, 1994
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