Table: Needs Improvement

Fleet scores low compared with other U.S. banks

INDUSTRY FLEET AVERAGE

RETURN ON ASSETS 0.44% 1.02% RETURN ON EQUITY 5.49% 14.4% RISE IN BAD LOANS 25% 17% NET INCOME PER EMPLOYEE* $15,500 $45,600

* 3rd Quarter

Data: Standard & Poor's, Market Guide Inc., Salomon Smith Barney, company reports

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