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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 $1 billion or more
Residential Mtg. Hldgs.($ 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 $1 billion or more
Residential Mtg. Hldgs. ($ 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