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part 1 of 3
Home Equity
Rank lines
Dec-97 12/31/97
1 BankAmerica Corp., San Francisco $7,753,051
2 Banc One Corp., Columbus, Ohio 5,689,622
3 NationsBank Corp., Charlotte, N.C. 5,649,236
4 First Union Corp., Charlotte, N.C. (r) 5,391,712
5 Wells Fargo & Co., San Francisco 4,628,976
6 Fleet Financial Group, Boston 3,581,983
7 KeyCorp, Cleveland 3,215,780
8 Chase Manhattan Corp., New York 2,562,447
9 U.S. Bancorp, Minneapolis (r) 2,384,540
10 National City Corp., Cleveland 2,050,054
11 PNC Bank Corp., Pittsburgh 1,901,614
12 First Chicago NBD Corp. 1,635,394
13 BankBoston Corp., Boston 1,634,368
14 Wachovia Corp., Winston-Salem, N.C. (r) 1,631,713
15 BB&T Corp., Winston-Salem, N.C. (r) 1,527,600
16 Citicorp, New York 1,362,248
17 Huntington Bancshares, Columbus, Ohio 1,273,053
18 CoreStates Financial Corp., Philadelphi 1,051,576
19 Summit Bancorp, Princeton, N.J. 924,705
20 AmSouth BanCorp., Birmingham, Ala. 870,820
21 HSBC Americas Inc., Buffalo (A) 864,097
22 Bank of Montreal, Canada (B) 848,513
23 Bank of Tokyo-Mitsubishi, Japan (C) 837,124
24 Barnett Banks, Jacksonville, Fla. 824,519
25 Suntrust Banks, Atlanta 802,317
26 SouthTrust Corp., Birmingham, Ala. 791,065
27 Royal Bank of Scotland (F) 740,773
28 Bank of New York Co. 726,051
29 Norwest Corp., Minneapolis 706,188
30 Firstar Corp., Milwaukee 665,634
31 Comerica, Detroit 658,480
32 First Empire State Corp., Buffalo 657,004
33 Allied Irish Bank, Rep. of Ireland (G) 620,383
34 First Tennessee National Corp., Memphis 619,824
35 Marshall & Ilsley Corp., Milwaukee 603,326
36 First Citizens Bancshares, Raleigh, N.C 602,585
37 Mercantile Bancorp, St. Louis (r) 508,303
38 Old Kent Financial Corp., Grand Rapids, 504,852
39 Fifth Third Bancorp, Cincinnati 484,570
40 ABN-Amro Chicago Corp. (D) 483,790
41 First Security Corp., Salt Lake City 482,608
42 Regions Financial Corp., Birmingham, Al 452,362
43 Mellon Bank Corp., Pittsburgh 440,350
44 TCF Financial Corp., Minneapolis (c) 438,326
45 First of America Bank Corp., Kalamazoo 421,820
46 First Hawaiian Inc., Honolulu 409,936
47 Centura Banks, Rocky Mount, N.C. 390,799
48 National Australia Bank (E) 362,485
49 Northern Trust Corp., Chicago 348,365
50 CCB Financial Corp., Durham, N.C. 326,203
Top 50 commercial banking companies $74,343,144
All commercial banks 98,087,862
part 2 of 2
Rank
Home equity loans % Nonperforming
Dec-97 Line % Chg.12/31/96 12/31/96
1 BankAmerica Co$7,006,699 10.65 0.413 0.376
2 Banc One Corp. 4,840,723 17.54 0.469 0.41
3 NationsBank Co 4,777,646 18.24 0.48 0.44
4 First Union Co 4,985,408 8.15 0.604 0.637
5 Wells Fargo & 4,670,419 -0.89 0.757 0.671
6 Fleet Financia 3,496,289 2.45 0.754 0.801
7 KeyCorp, Cleve 2,878,807 11.71 0.165 0.295
8 Chase Manhatta 2,231,612 14.82 0.528 0.558
9 U.S. Bancorp, 1,779,625 33.99 0.126 0.103
10 National City 1,791,986 14.4 0.181 0.079
11 PNC Bank Corp. 2,009,051 -5.35 0.379 0.49
12 First Chicago 1,627,882 0.46 0.514 0.521
13 BankBoston Cor 1,564,117 4.49 0.344 0.444
14 Wachovia Corp. 1,351,525 20.73 0.088 0.093
15 BB&T Corp., Wi 1,227,109 24.49 0.218 0.13
16 Citicorp, New 1,455,791 -6.43 1.028 1.412
17 Huntington Ban 1,058,374 20.28 0.262 0.3
18 CoreStates Fin 1,132,367 -7.13 0.114 0.257
19 Summit Bancorp 898,598 2.91 0.159 0.133
20 AmSouth BanCor 710,652 22.54 0.462 0.632
21 HSBC Americas 693,580 24.59 0.879 1.102
22 Bank of Montre 689,954 22.98 0.32 0.449
23 Bank of Tokyo- 957,709 -12.59 0.134 0.208
24 Barnett Banks, 620,099 32.97 0.149 0.142
25 Suntrust Banks 643,240 24.73 0.195 0.28
26 SouthTrust Cor 269,269 193.78 0.097 0.164
27 Royal Bank of 623,600 18.79 0.176 0.381
28 Bank of New Yo 708,138 2.53 0.84 1.526
29 Norwest Corp., 610,793 15.62 0.34 0.16
30 Firstar Corp., 558,590 19.16 0.212 0.431
31 Comerica, Detr 621,134 6.01 0.37 0.274
32 First Empire S 632,615 3.86 0.423 0.466
33 Allied Irish B 566,055 9.6 0.101 0.071
34 First Tennesse 441,635 40.35 0.675 0.838
35 Marshall & Ils 299,499 101.45 0.291 0.192
36 First Citizens 412,186 46.19 0.002 0.007
37 Mercantile Ban 399,154 27.35 0.223 0.086
38 Old Kent Finan 417,508 20.92 0.161 0.119
39 Fifth Third Ba 422,084 14.8 0.244 0.092
40 ABN-Amro Chica 460,600 5.03 0.737 0.84
41 First Security 471,109 2.44 0.108 0.066
42 Regions Financ 359,667 25.77 0.34 0.685
43 Mellon Bank Co 412,514 6.75 0.652 1.119
44 TCF Financial 285,095 53.75 0.191 0.21
45 First of Ameri 406,121 3.87 0.605 0.566
46 First Hawaiian 394,110 4.02 0.639 0.706
47 Centura Banks, 318,758 22.6 0.2 0.178
48 National Austr 324,366 11.75 0.274 0.305
49 Northern Trust 318,705 9.31 0.571 0.588
50 CCB Financial 295,441 10.41 0.065 0.039
Top 50 commerc $66,128,008 12.42 0.42 0.46
All commercial 85,598,135 14.59 0.44 0.48
part 3 of 3
Unused commitments Used % of
Rank on home equity Loans commitments
Dec-97 12/31/97 12/31/96 12/31/97 12/31/96
1 BankAmeri$6,951,000 $6,856,447 47.27 49.46
2 Banc One 4,729,628 3,444,362 45.39 41.57
3 NationsBa 7,058,009 5,634,155 55.54 54.11
4 First Uni 6,872,524 6,315,796 56.04 55.89
5 Wells Far 5,472,457 5,444,382 54.18 53.83
6 Fleet Fin 3,620,365 3,587,182 50.27 50.64
7 KeyCorp, 3,978,339 3,198,066 55.3 52.63
8 Chase Man 1,754,616 1,451,087 40.64 39.4
9 U.S. Banc 3,134,086 2,019,448 56.79 53.16
10 National 1,909,830 1,768,741 48.23 49.67
11 PNC Bank 2,652,471 3,183,197 58.24 61.31
12 First Chi 1,707,771 1,706,310 51.08 51.18
13 BankBosto 2,041,361 2,312,485 55.54 59.65
14 Wachovia 2,305,628 1,918,481 58.56 58.67
15 BB&T Corp 1,797,519 1,308,299 54.06 51.6
16 Citicorp, 3,752,179 3,914,482 73.36 72.89
17 Huntingto 1,416,366 1,146,191 52.66 51.99
18 CoreState 972,823 932,999 48.05 45.17
19 Summit Ba 1,145,587 983,338 55.33 52.25
20 AmSouth B 614,181 542,181 41.36 43.28
21 HSBC Amer 727,112 456,243 45.7 39.68
22 Bank of M 819,017 634,455 49.12 47.9
23 Bank of T 1,242,375 1,147,798 59.74 54.51
24 Barnett B 1,469,930 907,935 64.06 59.42
25 Suntrust 971,966 982,415 54.78 60.43
26 SouthTrus 714,960 473,372 47.47 63.74
27 Royal Ban 818,977 672,245 52.51 51.88
28 Bank of N 545,367 509,234 42.89 41.83
29 Norwest C 1,086,106 816,343 60.6 57.2
30 Firstar C 678,152 562,693 50.47 50.18
31 Comerica, 923,533 818,371 58.38 56.85
32 First Emp 577,404 552,388 46.78 46.61
33 Allied Ir 929,553 824,572 59.97 59.29
34 First Ten 413,409 319,507 40.01 41.98
35 Marshall 565,829 331,538 48.4 52.54
36 First Cit 704,665 454,239 53.9 52.43
37 Mercantil 623,838 468,731 55.1 54.01
38 Old Kent 520,855 441,533 50.78 51.4
39 Fifth Thi 510,171 400,451 51.29 48.68
40 ABN-Amro 362,255 399,910 42.82 46.47
41 First Sec 499,199 462,858 50.84 49.56
42 Regions F 494,293 411,947 52.21 53.39
43 Mellon Ba 626,937 654,644 58.74 61.34
44 TCF Finan 372,329 242,014 45.93 45.91
45 First of 634,268 553,662 60.06 57.69
46 First Haw 386,327 368,241 48.52 48.3
47 Centura B 477,062 248,022 54.97 43.76
48 National 348,629 306,392 49.03 48.58
49 Northern 385,607 346,104 52.54 52.06
50 CCB Finan 296,283 260,288 47.6 46.84
Top 50 co$83,613,148 $73,695,774 52.93 52.71
All comme105,183,298 91,063,319 51.75 51.55