Banks with Highest Percentage Nonperforming

+++

As of 12/31/98

Consumer Lns. ($ in mill) Cons. Lns. Nonperf. %

12/31/98 12/31/98

1 Citigroup Inc., New York $102,757 2.59

2 Union Planters Corp., Memphis 10,050 2.37

3 Popular Inc., San Juan, P.R. 6,797 2.06

4 First National of Nebraska 3,579 2.01

5 BankBoston Corp. 8,774 1.92

Average Nonperforming % of Top 50 0.92

Banks with Lowest Percentage Nonperforming

As of 12/31/98

Consumer Lns. ($ in mill) Cons. Lns.Nonperf. %

12/31/98 12/31/98

1 Unionbancal Corp., San Francisco $5,644 0.24

2 Old Kent Financial Corp., Grand Rap 5,998 0.33

3 Hibernia Corp., New Orleans 4,666 0.34

4 Northern Trust Corp., Chicago 6,611 0.36

5 Harris Bank Corp., Chicago 4,647 0.37

Average Nonperforming % of Top 50 0.92

Banks with Lowest Percentage Nonperforming

As of 12/31/98

Consumer Lns. ($ in mill) Cons. Lns.Nonperf. %

12/31/98 12/31/98

1 Unionbancal Corp., San Francisco $5,644 0.24

2 Old Kent Financial Corp., Grand Rap 5,998 0.33

3 Hibernia Corp., New Orleans 4,666 0.34

4 Northern Trust Corp., Chicago 6,611 0.36

5 Harris Bank Corp., Chicago 4,647 0.37

Average Nonperforming % of Top 50

0.92Banks with Highest Percentage Overall Chargeoffs

Net chargeoffs in 1998

Consumer Lns. ($ in mill)

Cons. Lns.Net Chg-offs %

12/31/98 12/31/98

1 First National of Nebraska $3,579 5.14

2 Citigroup Inc., New York 102,757 2.15

3 Banc One Corp., Columbus, Ohio 57,070 2.15

4 MBNA Corp., Newark, Del. 13,161 2.14

5 Bank Boston Corp. 8,774 2.08

Average Net Chargeoff % of Top 50 0.84

Banks with Lowest Percentage Overall Chargeoffs

Net chargeoffs in 1998

Consumer Lns. ($ in mill)

Cons. Lns. Net Chg-offs %

12/31/98 12/31/98

1 Northern Trust Corp., Chicago $6,611 0.02

2 ABN Amro North America Inc., Chicag 20,361 0.09

3 Republic New York Corp. 3,871 0.12

4 Marshall & Ilsley Corp., Milwaukee 5,281 0.15

5 Harris Bank Corp. Chicago 4,647 0.15

Average Net Chargeoff % of Top 50 0.84

Banks with Highest Percentage of Residential/Home Equity

Nonperforming as of 12/31/98 for institutions with $1 billion or more in holdings

Residential Mtg. Hldgs.($ mill.) Nonperf. %

12/31/98 12/31/98

1 Union Planters Corp., Memphis $7,331 3.06

2 Popular Inc., San Juan, P.R. 3,920 2.32

3 Citigroup Inc., New York 30,098 1.67

4 First Maryland Bancorp 2,675 1.51

5 BancWest Corp., Honolulu 2,643 1.46

Average Nonperforming % of Top 50 0.83

Banks with Lowest Percentage of Residential/Home Equity

Nonperforming as of 12/31/98 for institutions with $1 billion or more in holdings

Residential Mtg. Hldgs. ($ mill.) Nonperf. %

12/31/98 12/31/98

1 Northern Trust Corp., Chicago $5,922 0.28

2 Unionbancal Corp., San Francisco 3,855 0.28

3 Old Kent Finl. Corp., Grand Rapids, 4,623 0.3

4 TCF Financial Corp., Minneapolis 5,369 0.34

5 Hibernia Corp., New Orleans 3,076 0.36

Average Nonperforming % of Top 50 0.83

Banks with Highest Percentage of Nonperformers

Other than residential mortgage, home equity, or credit card loans

nonperforming as of 12/31/98

All Other Cons. Lns. ( $ mill.) Nonperf.

12/31/98 %

1 Citigroup Inc., New York $36,448 4.13

2 Associated Banc-Corp., Green Bay, W 603 2.9

3 Bank Boston Corp. 3,261 2.53

4 Republic New York Corp. 357 1.91

5 Mellon Bank Corp., Pittsburgh 2,894 1.9

Average Nonperforming % of Top 50 0.86

Banks with Lowest Percentage of Nonperformers

Other than residential mortgage, home equity, or credit card loans

nonperforming as of 12/31/98

All Other Cons. Lns. ( $ mill.) Nonperf.

12/31/98 %

1 Unionbancal Corp., San Francisco $1,705 0.16

2 BancWest Corp., Honolulu 2,477 0.17

3 AmSouth Bancorp., Birmingham, Ala. 2,164 0.21

4 Regions Financial Corp., Birmingham 3,539 0.27

5 Compass Bancshares, Birmingham, Ala 1,566 0.28

Average Nonperforming % of Top 50 0.86 ===

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