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<PAGE> 1
EXHIBIT 99.3
Unaudited Analyst Information
<PAGE> 2
UNION PLANTERS CORPORATION
ANALYST INFORMATION (DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA)
UNAUDITED DECEMBER 31, 2000
<TABLE>
<CAPTION>
THREE TWELVE
INCOME STATEMENT MONTHS MONTHS
---------------- ------- ---------
<S> <C> <C>
INTEREST INCOME (TE) 659,687 2,563,350
INTEREST EXPENSE 349,862 1,296,538
NET INTEREST INCOME (TE) 309,825 1,266,812
LOAN LOSS PROVISION 20,121 77,062
NONINTEREST INCOME
INVESTMENT SECURITIES GAINS (LOSSES) 304 381
TRADING ACCOUNT 1,623 5,937
FOREIGN EXCHANGE (A) (A)
TRUST REVENUE 7,120 26,395
BANK CARD INCOME 9,914 37,047
MORTGAGE BANKING REVENUE 29,424 103,987
SERVICE CHARGES ON DEPOSITS 47,886 182,035
FACTORING COMMISSIONS 8,057 31,205
INSURANCE COMMISSIONS 4,731 17,808
ANNUITY SALES INCOME 1,861 12,016
BROKERAGE FEE INCOME 3,823 17,920
ATM TRANSACTION FEES 7,155 28,616
GAIN ON SALE OF BRANCHES AND OTHER
SELECTED ASSETS 105 2,830
GAIN ON SECURITIZATION AND SALE OF LOANS 0 2,764
GAIN ON SALE OF LOANS 1,051 3,744
REVERSION OF PENSION PLAN ASSETS
OF AN ACQUIRED ENTITY 0 4,762
OTHER INCOME 22,934 81,955
TOTAL NONINTEREST INCOME 145,988 559,402
NONINTEREST EXPENSE
SALARIES AND BENEFITS 118,366 496,983
SETTLEMENT OF EXECUTIVE CONTRACTUAL
OBLIGATIONS 0 11,456
---------- ---------
TOTAL STAFF EXPENSE 118,366 508,439
OCCUPANCY EXPENSE 22,569 93,054
EQUIPMENT EXPENSE 21,360 84,668
GOODWILL AND OTHER INTANGIBLES AMORT. 16,241 64,101
AMORTIZATION OF MORTGAGE SERV. RIGHTS 5,333 19,903
CHARITABLE FOUNDATION CONTRIBUTION 446 446
OTHER EXPENSES 91,865 332,229
TOTAL NONINTEREST EXPENSE 276,180 1,102,840
EARNINGS BEFORE TAXES (TE) 159,512 646,312
TAX-EQUIVALENT ADJUSTMENT 8,819 35,696
REPORTED EARNINGS BEFORE TAXES 150,693 610,616
TAXES 47,186 201,306
NET INCOME 103,507 409,310
-----------------------------------
OPERATING EARNINGS (B) 102,951 407,719
PER SHARE
BASIC .76 3.00
DILUTED .76 2.98
CASH OPERATING EARNINGS (C) 116,640 461,557
PER SHARE
BASIC .86 3.40
DILUTED .86 3.38
RETURN ON AVERAGE ASSETS 1.36 1.36
RETURN ON AVERAGE COMMON EQUITY 16.59 16.50
RETURN ON AVERAGE TANGIBLE ASSETS 1.40 1.40
RETURN ON AVERAGE TANGIBLE COMMON EQUITY 25.31 25.26
<CAPTION>
THREE TWELVE
PER SHARE DATA MONTHS MONTHS
---------------------------------------------- ------- ---------
<S> <C> <C>
NET EARNINGS
BASIC .77 3.02
DILUTED .76 3.00
COMMON DIVIDEND PER SHARE .50 2.00
EOP COMMON BOOK VALUE 21.53
EOP COMMON TANGIBLE BOOK VALUE (D) 14.46
HIGH COMMON STOCK PRICE 36.58 37.25
LOW COMMON STOCK PRICE 29.44 25.63
CREDIT QUALITY DATA
NONACCRUAL LOANS 133,269
RENEGOTIATED LOANS 1,512
ORE, NET 40,366
FORECLOSED PROPERTY 2,770
TOTAL NONPERFORMING ASSETS 177,917
LOANS 90 DAYS PAST DUE 96,662
FHA/VA GOVERNMENT INSURED/GUARANTEED LOANS
NONACCRUAL 3,615
LOANS 90 DAYS PAST DUE 121,303
GROSS CHARGE-OFFS 35,219 131,381
RECOVERIES 10,214 49,463
NET CHARGE-OFFS 25,005 81,918
DECREASE DUE TO SALE OF LOANS 117 1,992
INCREASE IN ALLOWANCE DUE TO ACQUISTIONS 0 0
SHARE INFORMATION
EOP SHARES OUTSTANDING (IN THOUSANDS) 134,735
EOP SERIES E PREFERRED SHARES OUTSTANDING 788
EOP SHARES OUTSTANDING ASSUMING
CONVERSION OF CONVERTIBLE PREFERRED STOCK 135,719
WEIGHTED AVERAGE SHARES OUTSTANDING
BASIC 134,675 135,171
DILUTED 136,163 136,656
COMMON DIVIDENDS 67,370 271,091
PREFERRED DIVIDENDS - SERIES E CONVERTIBLE 394 1,607
DATE OF LAST CASH DIVIDEND INCREASE (QUARTERLY 1-15-98
DIVIDEND WAS INCREASED TO $.50 PER SHARE)
PARENT COMPANY DATA
PARENT COMPANY GOODWILL 0
PARENT COMPANY EQUITY INVESTMENT IN SUBS 3,008,165
</TABLE>
<PAGE> 3
UNION PLANTERS CORPORATION
ANALYST INFORMATION (DOLLARS IN THOUSANDS, EXCEPT PER SHARE DATA)
UNAUDITED DECEMBER 31, 2000
<TABLE>
<CAPTION>
THREE TWELVE
AVERAGE BALANCE SHEET DATA MONTHS MONTHS
------------------------------------------ ---------- ----------
<S> <C> <C>
TOTAL LOANS AND LEASES EXCLUDING FHA/VA
GOVERNMENT-INSURED/GUARANTEED LOANS (E) 23,666,425 22,882,031
FHA/VA GOVERNMENT-INSURED/GUARANTEED LOANS 294,982 334,172
TOTAL SECURITIES 6,941,450 7,266,351
OTHER EARNING ASSETS 291,693 328,312
TOTAL EARNING ASSETS 31,194,550 30,810,866
RESERVE FOR LOANS AND LEASES 337,144 345,245
GOODWILL AND OTHER INTANGIBLES 960,852 966,718
TOTAL ASSETS 34,200,410 33,882,405
MONEY MARKET ACCOUNTS 3,810,655 3,836,818
INTEREST-BEARING CHECKING 3,100,911 3,238,841
SAVINGS DEPOSITS 1,360,197 1,465,482
OTHER CONSUMER TIME 8,290,265 8,330,353
CD'S > $100,000 2,469,329 2,330,670
SHORT-TERM BORROWINGS (F) 6,107,673 5,878,084
INTERMEDIATE AND LONG-
TERM BORROWINGS (G) 1,582,732 1,325,319
TOTAL INTEREST-BEARING LIABILITIES 26,721,762 26,405,567
DEMAND DEPOSITS 3,957,042 4,009,843
CONVERTIBLE PREFERRED EQUITY 19,836 20,241
COMMON EQUITY 2,787,969 2,787,431
TOTAL EQUITY 2,807,805 2,807,672
OTHER INFORMATION
-----------------
TAX (BENEFIT) APPLICABLE TO SEC.
TRANSACTIONS 118 148
ROA 1.20 1.21
ROE 14.71 14.63
NUMBER OF BANKING SUBSIDIARIES 3
DOMESTIC BANK BRANCHES 847
(FULL SERVICE AND LIMITED SERVICE)
NUMBER OF ATM LOCATIONS 1,065
EMPLOYEES (FTE) 12,444
FORECLOSED PROPERTY EXPENSE 2,193 6,325
FORECLOSED PROPERTY INCOME 1,496 6,288
<CAPTION>
CURRENT TWELVE
PERIOD END BALANCE SHEET QUARTER MONTHS
---------------------------------------- -------- ----------
<S> <C> <C>
TOTAL LOANS AND LEASES EXCLUDING FHA/VA
GOVERNMENT-INSURED/GUARANTEED
LOANS (E) 23,673,951
FHA/VA GOVERNMENT INSURED/
GUARANTEED LOANS 283,543
RESERVE FOR LOANS AND LEASES 335,452
AVAILABLE FOR SALE INVESTMENT SECURITIES
AMORTIZED COST 6,849,457
FAIR VALUE 6,843,670
EARNING ASSETS 31,572,058
ASSETS 34,720,718
GOODWILL 793,831
PURCHASED CREDIT CARD RELATIONSHIPS 0
OTHER INTANGIBLES (H) 158,558
TOTAL INTANGIBLES 952,389
MORTGAGE SERVICING RIGHTS 123,940
FOREIGN LOANS (A)
DEMAND DEPOSITS 4,064,298
CD'S > $100,000 2,453,621
TOTAL DEPOSITS 23,113,383
SHORT-TERM BORROWINGS (F) 6,086,896
LONG-TERM DEBT
SUBORDINATED DEBT-PARENT COMPANY 174,066
SUBORDINATED DEBT-SUBSIDIARY BANK (J) 300,869
TRUST PREFERRED SECURITIES (TruPS) 199,080
ASSET BACKED CERTIFICATES 100,000
SENIOR NOTES (J) 60,000
FEDERAL HOME LOAN BANK ADVANCES (J) 1,101,619
OTHER 3,337
MINORITY INTERESTS 3,188
CONVERTIBLE PREFERRED EQUITY 19,691
COMMON EQUITY 2,900,363
TOTAL EQUITY 2,920,054
UNREALIZED LOSS - NET OF TAX (FAS115) (3,841)
CAPITAL ADEQUACY
----------------
TIER I CAPITAL 2,175,573
TIER II CAPITAL (I)
RISK-ADJUSTED ASSETS (I)
LEVERAGE RATIO 6.53
</TABLE>
<PAGE> 4
UNION PLANTERS CORPORATION
ANALYST INFORMATION
DECEMBER 31, 2000
NOTES
--------------------------------------------------------------------------------
(A) NOT PRESENTED DUE TO IMMATERIALITY.
(B) EARNINGS BEFORE NONOPERATING ITEMS, NET OF TAXES.
(C) EARNINGS BEFORE GOODWILL AND OTHER INTANGIBLES AMORTIZATION, AND
NONOPERATING ITEMS, NET OF TAXES.
(D) CALCULATED DEDUCTING GOODWILL AND ALL OTHER INTANGIBLES. DOES NOT
DEDUCT MORTGAGE SERVICING RIGHTS.
(E) AMOUNTS SHOWN FOR AVERAGE LOANS ARE NET OF UNEARNED AND GROSS OF
RESERVE AND INCLUDE LOANS HELD FOR RESALE. AMOUNTS SHOWN FOR PERIOD END
LOANS ARE NET OF UNEARNED AND GROSS OF RESERVE BUT DO NOT INCLUDE LOANS
HELD FOR RESALE.
(F) INCLUDES THE FOLLOWING:
<TABLE>
<CAPTION>
AVERAGE BALANCE
PERIOD END --------------------------------------------
BALANCE THREE MONTHS TWELVE MONTHS
12/31/2000 ENDED 12/31/200 ENDED 12/31/2000
------------- ---------------- ------------------
<S> <C> <C> <C>
FEDERAL FUNDS PURCHASED $ 1,813,639 $ 2,039,559 $ 1,429,780
SECURITIES SOLD UNDER AGREEMENTS
TO REPURCHASE 1,869,186 1,544,372 1,477,370
SHORT-TERM FEDERAL HOME LOAN BANK ADVANCES 2,400,000 2,463,043 2,719,331
SHORT-TERM SENIOR NOTES 0 56,522 250,273
OTHER 4,071 4,177 1,330
----------- ----------- -----------
$ 6,086,896 $ 6,107,673 $ 5,878,084
=========== =========== ===========
</TABLE>
(G) INCLUDES THE FOLLOWING:
<TABLE>
<CAPTION>
AVERAGE BALANCE
--------------------------------------------
THREE MONTHS ENDED TWELVE MONTHS ENDED
DECEMBER 31, 2000 DECEMBER 31, 2000
------------------ -------------------
<S> <C> <C>
FEDERAL HOME LOAN BANK ADVANCES* $ 742,716 $ 446,964
SUBORDINATED DEBT-PARENT COMPANY 174,053 174,172
MEDIUM-TERM SENIOR NOTES 60,000 60,000
TRUST PREFERRED SECURITIES (TRuPS) 199,075 199,062
ASSET BASED CERTIFICATES 102,273 138,540
SUBORDINATED DEBT-SUBSIDIARY BANK 300,891 300,961
OTHER LONG-TERM DEBT 3,724 5,620
----------- -----------
$ 1,582,732 $ 1,325,319
=========== ===========
</TABLE>
* ORIGINAL MATURITY GREATER THAN ONE YEAR
(H) OTHER INTANGIBLES ARE PRIMARILY CORE DEPOSIT PREMIUMS
(I) AVAILABLE 45 DAYS AFTER QUARTER END.
(J) OBLIGATIONS OF SUBSIDIARY BANKS.
(K) ON APRIL 26, 2000, UNION PLANTERS ACQUIRED STRATEGIC OUTSOURCING, INC.
FOR APPROXIMATELY $45 MILLION IN CASH. THE TRANSACTION WAS ACCOUNTED
FOR AS A PURCHASE. TOTAL ASSETS OF SOI AT DATE OF ACQUISITION WERE
APPROXIMATELY $65.5 MILLION.
TE = TAXABLE-EQUIVALENT
FTE = FULL-TIME EQUIVALENT
A BALANCE SHEET, INCOME STATEMENT, AND OTHER SUPPLEMENTAL DATA MAY BE VIEWED
ON OUR WEB SITE AT WWW.UNIONPLANTERS.COM/PAGES/UPFINANCIALS/. THEN, CLICK ON
THE 'FINANCIAL REPORTS" BUTTON.
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