+++
part 1 of 4
Collateralized Mortgage
Rank Dec-96 9/30/97
1 Wells Fargo Bank NA, San Francisco (m) $4,315,927
2 NationsBank NA, Charlotte (m) 3,645,126
3 Summit Bank, Hackensack, N.J. (m) 3,560,820
4 KeyBank NA, Cleveland (m) 3,377,812
5 PNC Bank NA, Pittsburgh 3,008,498
6 First of America Bank-Michigan NA, Kalamazoo (m) 2,681,233
7 Chase Manhattan Bank NA, New York 2,681,000
8 Mercantile Bank of Plattsburg, Mo. (m) 2,079,967
9 First American National Bank, Nashville, Tenn. (m) 2,043,969
10 Republic National Bank, New York* 1,843,313
11 Old Kent Bank, Grand Rapids, Mich. (m) 1,788,781
12 BankBoston NA (m) 1,785,949
13 European American Bank, New York* 1,564,629
14 AmSouth Bank, Birmingham, Ala. (m) 1,415,972
15 State Street Bank & Trust Co., Boston 1,285,656
16 First Security Bank NA, Ogden, Utah 1,250,139
17 North Fork Bank, Mattituck, N.Y. (m) 1,183,466
18 La Salle National Bank, Chicago (m) 1,169,998
19 First Tennessee Bank NA, Memphis, Tenn. 1,146,957
20 First Bank, St. Paul, Minn. (m) 1,111,328
21 OnBank & Trust Company, Syracuse, N.Y. 1,069,596
22 Morgan Guaranty Trust Co., New York 1,063,552
23 Magna Bank NA, Brentwood, Mo. (m) 1,036,099
24 Chase Manhattan Bank USA NA, Wilmington, Del. (m) 1,032,023
25 Bank of America NT&SA, San Francisco (m) 998,000
26 Compass Bank, Birmingham, Ala. (m) 972,446
27 Compass Bank, Houston 971,745
28 First Union National Bank, Charlotte (m) 956,389
29 Trustmark National Bank, Jackson, Miss. 932,528
30 Bank of Hawaii, Honolulu 905,464
31 SouthTrust Bank NA, Birmingham, Ala. (m) 883,717
32 National City Bank of Pennsylvania, Pittsburgh 843,765
33 Regions Bank, Birmingham, Ala. (m) 810,016
34 Bank of Oklahoma Tulsa NA 796,401
35 Citizens Bank Rhode Island, Providence 795,148
36 Popular Inc., San Juan, Puerto Rico 792,000
37 Barnett Bank NA, Jacksonville, Fla. 768,490
38 National City Bank, Cleveland 742,233
39 Huntington National Bank, Columbus, Ohio (m) 713,040
40 Central Fidelity National Bank, Richmond, Va. 712,981
41 Bank One Texas NA, Dallas (m) 705,885
42 Marshall & Ilsley Bank, Milwaukee 646,182
43 First Union National Bank, Avondale, Pa. 618,381
44 First National Bank of Maryland, Baltimore (m) 615,024
45 Citizens Bank of Massechusetts 614,147
46 Crestar Bank, Richmond, Va. (m) 613,628
47 Deposit Guaranty National Bank, Jackson, Miss. (m) 610,618
48 Wachovia Bk NA, Winston-Salem, N.C. (m) 564,800
49 Star Bank NA, Cincinnati 557,577
50 First Midwest Bank NA, Moline, Ill. (m) 549,848
Totals for the Top 50 Banks (in billions) $66.83
Totals for all Banks (in billions) $116.54
part 2 of 4
Market Value of CMOs
as a % oHeld to Available for sale
Rank Dec-96 9/30/96% Change 9/30/97 9/30/96 9/30/97
1 Wells Fargo$5,849,558 -26.22 100 99.18 0
2 NationsBank 3,880,403 -6.06 100.17 99.85 581,024
3 Summit Bank 2,995,365 18.88 99.61 98.88 1,349,318
4 KeyBank NA, 3,308,015 2.11 100.16 99.89 0
5 PNC Bank NA 3,718,866 -19.1 98.09 96.7 0
6 First of Am 1,928,525 39.03 100.51 99.72 0
7 Chase Manha 4,070,000 -34.13 99.78 99.46 1,780,000
8 Mercantile 2,312,237 -10.05 100.21 100 0
9 First Ameri 1,621,314 26.07 99.83 99.21 567,395
10 Republic Na 1,677,298 9.9 100.68 99.67 0
11 Old Kent Ba 1,364,088 31.13 99.52 99.66 608,333
12 BankBoston 817,682 118.42 99.91 98.89 0
13 European Am 1,940,171 -19.36 101.11 99.83 763,726
14 AmSouth Ban 1,235,151 14.64 100.07 99.99 886,387
15 State Stree 1,167,175 10.15 99.59 98.87 0
16 First Secur 959,123 30.34 100.48 99.52 0
17 North Fork 713,914 65.77 100.58 99.55 625,944
18 La Salle Na 1,521,582 -23.11 101.74 99.26 550,003
19 First Tenne 1,073,878 6.81 100.44 99.51 0
20 First Bank, 1,109,467 0.17 100.11 100 0
21 OnBank & Tr 1,099,994 -2.76 101.47 100.84 940,501
22 Morgan Guar 1,306,917 -18.62 101.7 99.99 0
23 Magna Bank 522,876*** 100.17 98.79 0
24 Chase Manha 339,321*** 100.16 100 0
25 Bank of Ame 591,990 68.58 99.9 99.83 0
26 Compass Ban 1,122,852 -13.39 100.25 99.45 299,568
27 Compass Ban 839,109 15.81 100.54 99.91 346,404
28 First Union 1,017,387 -6 100.73 100.06 396,869
29 Trustmark N 961,219 -2.98 100.5 99.56 899,014
30 Bank of Haw 910,936 -0.6 99.9 98.8 191
31 SouthTrust 976,291 -9.48 100.67 99.14 57,925
32 National Ci 501,486 68.25 100.83 99.39 0
33 Regions Ban 783,724 3.35 99.68 98.18 238,914
34 Bank of Okl 790,781 0.71 99.76 98.2 0
35 Citizens Ba 807,099 -1.48 100.27 98.1 0
36 Popular Inc 591,000 34.01 100.25 99.32 77,000
37 Barnett Ban 1,298,887 -40.83 100.47 99.49 0
38 National Ci 687,057 8.03 100.59 99.19 0
39 Huntington 642,462 10.99 100.18 99.57 0
40 Central Fid 765,645 -6.88 100.22 99.34 0
41 Bank One Te 1,259,832 -43.97 100.96 100.8 0
42 Marshall & 582,076 11.01 101.11 99.57 0
43 First Union 700,638 -11.74 100.45 98.88 0
44 First Natio 499,199 23.2 101.19 100.81 0
45 Citizens Ba 663,758 -7.47 100.32 98.62 0
46 Crestar Ban 1,018,350 -39.74 100.52 100.02 389,708
47 Deposit Gua 135,258*** 99.95 100.66 9,570
48 Wachovia Bk 714,954 -21 101.66 99.66 287,715
49 Star Bank N 470,119 18.6 100.59 100.28 94,719
50 First Midwe 269,373*** 100.75 99.16 0
Totals for $66.13 1.06 100.19 78.03 11.75
Totals for $114.54 1.75 99.63 99.39 28.4
part 3 of 4
CMOs FNMA&FHLMC MBS Pass Throughs
Govt. CMOs FNMA Private CMOs
Rank Dec-96 9/30/97 9/30/97% Change 9/30/97
1 Wells Fargo Ban $4,315,927 $1,722,295 -38.42 2,593,632
2 NationsBank NA, 3,064,102 2,773,917 -28.5 871,209
3 Summit Bank, Ha 2,211,502 2,603,352 56.2 957,468
4 KeyBank NA, Cle 3,377,812 3,306,570 -0.03 71,242
5 PNC Bank NA, Pi 3,008,498 2,781,435 -18.67 227,063
6 First of Americ 2,681,233 2,362,891 41.29 318,342
7 Chase Manhattan 901,000 2,626,000 -33.2 55,000
8 Mercantile Bank 2,079,967 230,487 -90.03 1,849,480
9 First American 1,476,574 1,772,179 32.66 271,790
10 Republic Nation 1,843,313 1,298,244 6.27 545,069
11 Old Kent Bank, 1,180,448 1,429,572 42.23 359,209
12 BankBoston NA ( 1,785,949 1,785,937 132.83 12
13 European Americ 800,903 1,044,922 -17.57 519,707
14 AmSouth Bank, B 529,585 1,168,753 -5.07 247,219
15 State Street Ba 1,285,656 606,004 122.89 679,652
16 First Security 1,250,139 1,185,499 29.24 64,640
17 North Fork Bank 557,522 0*** 1,183,466
18 La Salle Nation 619,995 755,980 -22.97 414,018
19 First Tennessee 1,146,957 1,146,957 6.81 0
20 First Bank, St. 1,111,328 1,064,796 -4.03 46,532
21 OnBank & Trust 129,095 620,516 -4.24 449,080
22 Morgan Guaranty 1,063,552 1,022,786 -21.39 40,766
23 Magna Bank NA, 1,036,099 867,190 155.08 168,909
24 Chase Manhattan 1,032,023 1,032,023*** 0
25 Bank of America 998,000 996,000 68.25 2,000
26 Compass Bank, B 672,878 304,769 -27.64 667,677
27 Compass Bank, H 625,341 623,946 38.72 347,799
28 First Union Nat 559,520 98,993 -90.09 857,396
29 Trustmark Natio 33,514 930,661 -2.98 1,867
30 Bank of Hawaii, 905,273 904,993 -0.18 471
31 SouthTrust Bank 825,792 834,328 -14.17 49,389
32 National City B 843,765 804,555 67.1 39,210
33 Regions Bank, B 571,102 809,592 3.3 424
34 Bank of Oklahom 796,401 793,231 0.65 3,170
35 Citizens Bank R 795,148 594,358 14.01 200,790
36 Popular Inc., S 715,000 624,000 19.31 168,000
37 Barnett Bank NA 768,490 766,868 -40.45 1,622
38 National City B 742,233 355,721 -6.8 386,512
39 Huntington Nati 713,040 689,213 7.28 23,827
40 Central Fidelit 712,981 395,783 -15.47 317,198
41 Bank One Texas 705,885 288,005 -62.77 417,880
42 Marshall & Ilsl 646,182 618,058 12.82 28,124
43 First Union Nat 618,381 158,002*** 460,379
44 First National 615,024 310,997 13.4 304,027
45 Citizens Bank o 614,147 436,007 -6.04 178,140
46 Crestar Bank, R 223,920 489,688 -49.7 123,940
47 Deposit Guarant 601,048 601,048 350.5 9,570
48 Wachovia Bk NA, 277,085 561,267 -21.5 3,533
49 Star Bank NA, C 462,858 462,800 31.71 94,777
50 First Midwest B 549,848 471,853 123.49 77,995
Totals for the $55.08 $50.13 -5.07 $16.70
Totals for all $102.49 $94.78 4.07 $21.76
part 4 of 4
Total Total CMO Investments
Securities as a % of Total Securities
Rank Dec-96 9/30/97 9/30/97 9/30/96
1 Wells Fargo Ban$10,083,784 42.8 46.54
2 NationsBank NA, 29,683,645 12.28 12.65
3 Summit Bank, Ha 5,747,350 61.96 56.69
4 KeyBank NA, Cle 8,368,609 40.36 39.82
5 PNC Bank NA, Pi 5,669,736 53.06 43.77
6 First of Americ 3,895,662 68.83 63.84
7 Chase Manhattan 40,589,000 6.61 9.85
8 Mercantile Bank 2,668,812 77.94 78.81
9 First American 2,252,849 90.73 72.49
10 Republic Nation 21,835,322 8.44 9.25
11 Old Kent Bank, 2,829,511 63.22 43.66
12 BankBoston NA ( 8,426,212 21.2 10.03
13 European Americ 4,900,946 31.93 42.17
14 AmSouth Bank, B 4,480,457 31.6 22.73
15 State Street Ba 10,461,989 12.29 13.43
16 First Security 2,543,373 49.15 44.93
17 North Fork Bank 2,634,327 44.92 20.73
18 La Salle Nation 4,425,643 26.44 43.63
19 First Tennessee 1,769,321 64.82 57.87
20 First Bank, St. 6,844,905 16.24 17.1
21 OnBank & Trust 1,787,751 59.83 60.21
22 Morgan Guaranty 21,067,180 5.05 6.03
23 Magna Bank NA, 1,940,682 53.39 32.83
24 Chase Manhattan 1,069,613 96.49 5.9
25 Bank of America 13,983,000 7.14 4.7
26 Compass Bank, B 1,581,124 61.5 65.86
27 Compass Bank, H 1,402,109 69.31 65.29
28 First Union Nat 14,380,553 6.65 7.72
29 Trustmark Natio 2,000,445 46.62 48.67
30 Bank of Hawaii, 3,360,754 26.94 26.46
31 SouthTrust Bank 5,739,552 15.4 21.49
32 National City B 3,483,448 24.22 13.49
33 Regions Bank, B 2,961,957 27.35 29.19
34 Bank of Oklahom 1,701,687 46.8 50.12
35 Citizens Bank R 1,739,583 45.71 46.25
36 Popular Inc., S 6,201,000 12.77 13.83
37 Barnett Bank NA 4,077,600 18.85 25.64
38 National City B 1,601,292 46.35 44.06
39 Huntington Nati 5,433,823 13.12 24.32
40 Central Fidelit 2,719,239 26.22 24.31
41 Bank One Texas 3,195,543 22.09 24.1
42 Marshall & Ilsl 1,337,297 48.32 45.82
43 First Union Nat 3,962,204 15.61 24.22
44 First National 2,005,768 30.66 22.29
45 Citizens Bank o 1,424,487 43.11 47.27
46 Crestar Bank, R 3,870,770 15.85 389.57
47 Deposit Guarant 1,518,168 40.22 17.34
48 Wachovia Bk NA, 6,934,187 8.15 13.19
49 Star Bank NA, C 1,224,055 45.55 32.93
50 First Midwest B 818,060 67.21 32.05
Totals for the $304.63 21.94 22.18
Totals for all $835.52 13.95 14.33
Source: Sheshunoff Information Services, Inc., Austin, Texas from its
