+++
part 1 of 5
Rank
Dec-98 Dec-97
1 2 Bank of America Corp., Charlotte, N.C. (a)
2 1 Citigroup Inc., New York (b)
3 7 Bank One Corp., Chicago (g)
4 3 Chase Manhattan Corp., New York
5 5 First Union Corp., Charlotte, N.C. (w)
6 9 Wells Fargo & Co., San Francisco (c)
7 8 Fleet Financial Group Inc., Boston
8 10 U.S. Bancorp, Minneapolis
9 13 KeyCorp, Cleveland
10 19 SunTrust Banks Inc., Atlanta (i)
11 12 Bank of New York Co., Inc.
12 11 BankBoston Corp.
13 16 PNC Bank Corp., Pittsburgh
14 22 National City Corp., Cleveland (h)
15 17 Wachovia Corp., Winston-Salem, N.C.
16 18 Comerica Inc., Detroit (p)
17 20 Bankers Trust Co., New York
18 14 J.P. Morgan & Co. Inc., New York
19 23 Mellon Bank Corp., Pittsburgh
20 26 SouthTrust Corp., Birmingham, Ala.
21 24 Unionbancal Corp, San Francisco
22 25 ABN-Amro North America, Inc., Chicago (1)
23 34 Firstar Corp., Milwaukee (j)
24 32 HSBC Americas Inc., Buffalo
25 38 Regions Financial Corp., Birmingham, Ala. (s)
26 29 BB&T Corp., Winston-Salem, N.C. (r)
27 28 Huntington Bancshares Inc., Columbus, Ohio
28 33 Mercantile Bancorp. Inc., St. Louis (p)
29 30 Summit Bancorp, Princeton, N.J. (u)
30 47 Union Planters Corp., Memphis (t)
31 27 Republic New York Corp.
32 35 Fifth Third Bancorp, Cincinnati (o)
33 37 Harris Bank Corp., Chicago (1)
34 39 M & T Bank Corp., Buffalo (k)
35 37 Marshall & Ilsley Corp., Milwaukee
36 NR Zions Bancorp, Salt Lake City, Utah (n)
37 40 Northern Trust Corp., Chicago
38 NR First American Corp., Nashville (q)
39 43 Amsouth Bancorp., Birmingham, Ala.
40 42 First Maryland Bancorp, Baltimore (1)
41 44 State Street Corp., Boston
42 50 First Security Corp., Salt Lake City, Utah
43 46 Pacific Century Financial Corp., Honolulu
44 48 Popular Inc., San Juan, P.R.
45 NR BancWest Corp., Honolulu (d)
46 49 Michigan National Corp., Farmington Hills (1)
47 NR Compass Bancshares, BIrmingham, Ala. (f)
48 NR Hibernia Corp., New Orleans (e)
49 NR Old Kent Financial Corp., Grand Rapids, Mich. (m)
50 NR Synovus Financial Corp., Columbus, Ga.
Totals and averages for the top 50
Aggregate for all FDIC-Insured Comm'l Banks
part 2 of 5
Bus. loans Commercial
As a % of Real Estate
Total Busine Nonperfoming Receivables
Rank Loans Loans
Dec-98 Dec-97 12/31/98 % Chg. 12/31/98
1 2 Bank of A$208,750.00 16.61% 0.80%
2 1 Citigroup 134,595.00 23.52 1.74
3 7 Bank One 98,835.00 17.49 0.86
4 3 Chase Man 96,619.00 0.29 1.2
5 5 First Uni 81,640.30 7.66 0.58
6 9 Wells Far 63,747.00 -0.63 0.9
7 8 Fleet Fin 47,374.00 16.52 0.54
8 10 U.S. Banc 37,236.00 10.22 0.6
9 13 KeyCorp, 36,062.60 21.8 0.97
10 19 SunTrust 34,933.10 26.91 0.36
11 12 Bank of N 34,669.50 10.37 0.51
12 11 BankBosto 34,031.60 3.42 0.73
13 16 PNC Bank 31,864.90 20.32 1.02
14 22 National 29,819.90 11.84 0.76
15 17 Wachovia 27,305.80 7.34 0.52
16 18 Comerica 26,943.20 19.74 0.42
17 20 Bankers T 23,543.00 14.21 1.52
18 14 J.P. Morg 23,526.70 -19.94 0.59
19 23 Mellon Ba 19,188.20 13.72 0.34
20 26 SouthTrus 19,033.70 31.75 0.54
21 24 Unionbanc 18,652.50 15.45 0.52
22 25 ABN-Amro 18,501.50 26.49 0.36
23 34 Firstar C 16,193.90 24.04 0.73
24 32 HSBC Amer 11,979.00 38.39 2.15
25 38 Regions F 11,876.30 26.81 1.35
26 29 BB&T Corp 11,159.80 13.58 0.38
27 28 Huntingto 10,953.80 12.14 0.66
28 33 Mercantil 10,646.60 21.46 0.56
29 30 Summit Ba 10,277.20 12.08 0.79
30 47 Union Pla 9,968.20 22.3 0.99
31 27 Republic 9,778.00 -0.12 0.57
32 35 Fifth Thi 9,774.70 26.4 0.51
33 37 Harris Ba 9,374.70 15.22 0.33
34 39 M & T Ban 9,150.30 12.37 0.42
35 37 Marshall 8,715.50 15.81 0.76
36 NR Zions Ban 7,488.90 10.55 0.92
37 40 Northern 7,057.50 3.9 0.52
38 NR First Ame 7,020.20 12.47 0.87
39 43 Amsouth B 6,991.20 10.46 0.55
40 42 First Mar 6,927.40 8.47 0.77
41 44 State Str 6,901.80 11.11 0.18
42 50 First Sec 6,640.00 26.51 0.56
43 46 Pacific C 6,295.50 6.53 1.55
44 48 Popular I 6,282.00 16.87 2.28
45 NR BancWest 6,012.40 11.94 1.33
46 49 Michigan 5,948.20 12.74 0.71
47 NR Compass B 5,662.00 38.93 0.68
48 NR Hibernia 5,340.00 30.37 0.59
49 NR Old Kent 5,148.40 6.67 1.02
50 NR Synovus F 4,919.30 16.82 0.65
Totals an$1,381,355 13.34 0.87%
Aggregate$1,906,200 12.76 0.96
part 3 of 5
Commercial & lease
Real Estate Financing
Rank Loans Receivables
Dec-98 Dec-97 12/31/98 % Chg. 12/31/98
1 2 Bank of A$124,299.00 18.61% $37,969.00
2 1 Citigroup 73,291.00 17 29,863.00
3 7 Bank One 48,819.00 10.31 20,292.00
4 3 Chase Man 56,399.00 -1.01 5,818.00
5 5 First Uni 40,669.50 12.1 20,424.10
6 9 Wells Far 29,067.00 10.06 21,251.00
7 8 Fleet Fin 29,479.00 17.46 8,251.00
8 10 U.S. Banc 17,654.00 7.07 11,137.00
9 13 KeyCorp, 15,363.70 24.12 10,928.30
10 19 SunTrust 20,714.10 45.35 10,339.30
11 12 Bank of N 19,841.20 14.08 3,452.00
12 11 BankBosto 25,104.50 5.37 5,588.50
13 16 PNC Bank 19,246.70 20.11 5,575.70
14 22 National 14,667.60 15.1 9,878.80
15 17 Wachovia 14,344.20 8.28 9,032.50
16 18 Comerica 17,850.10 18.3 6,126.00
17 20 Bankers T 10,312.00 13.42 1,393.00
18 14 J.P. Morg 12,822.20 -11.65 1,246.30
19 23 Mellon Ba 11,983.70 16.09 2,272.80
20 26 SouthTrus 6,481.10 37.32 11,403.70
21 24 Unionbanc 11,542.00 23.58 3,552.40
22 25 ABN-Amro 11,478.40 26.54 5,213.30
23 34 Firstar C 6,620.90 7.34 5,807.70
24 32 HSBC Amer 6,999.20 36.22 3,103.30
25 38 Regions F 3,861.40 24.59 6,974.30
26 29 BB&T Corp 3,187.70 15.81 6,806.00
27 28 Huntingto 4,411.10 10.01 4,147.80
28 33 Mercantil 4,708.50 30.07 4,486.90
29 30 Summit Ba 5,973.50 27.74 3,217.60
30 47 Union Pla 3,535.80 17.36 5,582.00
31 27 Republic 4,512.00 3.95 2,271.30
32 35 Fifth Thi 3,101.90 13.69 2,443.50
33 37 Harris Ba 5,852.90 15.08 1,117.00
34 39 M & T Ban 2,872.80 12.33 5,312.50
35 37 Marshall 3,649.80 22.91 3,877.10
36 NR Zions Ban 2,469.70 -4.6 4,515.60
37 40 Northern 4,493.10 13.12 708.3
38 NR First Ame 3,247.10 16.28 2,725.70
39 43 Amsouth B 2,742.90 -9.1 3,339.00
40 42 First Mar 3,261.10 9.57 2,277.90
41 44 State Str 2,239.60 6.38 100.8
42 50 First Sec 2,562.30 18.87 2,168.90
43 46 Pacific C 3,417.20 15.18 1,953.90
44 48 Popular I 3,842.00 28.28 1,384.00
45 NR BancWest 2,062.90 16.93 2,465.80
46 49 Michigan 3,385.70 17.92 2,427.10
47 NR Compass B 2,366.60 37.27 2,571.60
48 NR Hibernia 3,060.00 32.98 1,553.60
49 NR Old Kent 2,450.80 3.13 2,301.60
50 NR Synovus F 1,740.70 15.62 2,951.60
Totals an $734,058 14.12% $329,600
Aggregate $898,800 12.92 $580,100
part 4 of 4
Lease
Financing
Rank Receivables
Dec-98 Dec-97 % Chg. 12/31/98 % Chg.
1 2 Bank of A 2.50% $19,849.00 41.73%
2 1 Citigroup 18.73 4,821.00 2.07
3 7 Bank One 19.2 15,109.00 24.58
4 3 Chase Man -19.35 10,014.00 7.14
5 5 First Uni 2.64 11,950.10 17.83
6 9 Wells Far -19.53 6,381.00 28.44
7 8 Fleet Fin -7.58 4,287.00 26.03
8 10 U.S. Banc 7.25 2,271.00 13.21
9 13 KeyCorp, 15.05 8,194.10 36.43
10 19 SunTrust 17.67 874.4 9.44
11 12 Bank of N 1.77 3,406.00 31.4
12 11 BankBosto 0.09 2,026.60 0.24
13 16 PNC Bank 7.85 2,089.90 39.57
14 22 National 2.36 2,675.90 43.28
15 17 Wachovia 5.4 1,879.10 71.74
16 18 Comerica 24.89 646.7 25.06
17 20 Bankers T -36.77 491 84.59
18 14 J.P. Morg -20.91 191 0
19 23 Mellon Ba 50.57 2,947.60 7.37
20 26 SouthTrus 29.54 987.1 32.62
21 24 Unionbanc 4.28 1,044.20 19.2
22 25 ABN-Amro 23.4 1,195.20 46.66
23 34 Firstar C 15.81 2,570.10 365.4
24 32 HSBC Amer 38.8 33.9 74.63
25 38 Regions F 27.91 216.2 -2.77
26 29 BB&T Corp 9.07 981.9 59.32
27 28 Huntingto 10.78 1,937.80 19.05
28 33 Mercantil 15.8 143.1 -10.87
29 30 Summit Ba 2.99 809.9 -7.39
30 47 Union Pla 24.17 63.6 -41.14
31 27 Republic 6.92 18.1 -9.42
32 35 Fifth Thi 53.96 3,616.50 21.92
33 37 Harris Ba 12.21 333.1 69.65
34 39 M & T Ban 16.04 476 6.32
35 37 Marshall 9.4 613.4 25.42
36 NR Zions Ban 19.75 189.4 2.95
37 40 Northern 8.57 528.3 52.24
38 NR First Ame 9.39 398.2 26.49
39 43 Amsouth B 31.74 389.8 21.16
40 42 First Mar -1.27 859.2 11
41 44 State Str 21.12 1,331.70 37.98
42 50 First Sec 37.25 1,306.20 26.75
43 46 Pacific C -5.31 496.7 14.63
44 48 Popular I 16.01 660 12.82
45 NR BancWest 2.73 1,358.50 24.99
46 49 Michigan 8.87 49 -47.03
47 NR Compass B 41.28 170.6 167.65
48 NR Hibernia 17.95 33.7 8.47
49 NR Old Kent 10.71 163.6 -4.6
50 NR Synovus F 17.13 21.7 271.95
Totals an 7.93% $123,101 26.31%
Aggregate 10.5 $125,100 24.48
part 5 of 5
All Other Business loans
Loans to As a % of All
Rank Business Loans
Dec-98 Dec-97 12/31/98 % Chg. 12/98 12/97
1 2 Bank$26,633.00 14.93% 57.10% 56.86%
2 1 Citi26,620.00 61.83 51.45 57.84
3 7 Bank14,615.00 36.36 63.39 54.92
4 3 Chas24,388.00 6.92 55.93 57.19
5 5 Firs 8,596.50 -9.62 60.33 49.07
6 9 Well 7,048.00 10.71 47.91 43.36
7 8 Flee 5,357.00 65.76 64.7 64.77
8 10 U.S. 6,174.00 25.87 62.98 61.75
9 13 KeyC 1,576.60 -8.61 58.15 55.32
10 19 SunT 3,005.30 -18.51 53.67 53.14
11 12 Bank 7,970.30 -0.82 90.32 89.31
12 11 Bank 1,312.00 -11.05 79.5 74.74
13 16 PNC 4,952.60 30.64 52.33 46.69
14 22 Nati 2,597.60 8.2 48.47 47.57
15 17 Wach 2,050.00 -18.91 59.72 57.56
16 18 Come 2,320.40 16.56 87.91 84.64
17 20 Bank11,347.00 25.35 94.9 96.54
18 14 J.P. 9,267.30 -29.3 92.28 93.06
19 23 Mell 1,984.10 -13.55 59.77 57.88
20 26 Sout 161.8 -9.62 67.97 63
21 24 Unio 2,514.00 -0.79 76.77 71.14
22 25 ABN- 614.6 19.03 47.61 41.68
23 34 Firs 1,195.40 -9.51 59.08 56.45
24 32 HSBC 1,842.70 45.9 49.91 40.03
25 38 Regi 824.4 39.39 46.76 42.57
26 29 BB&T 184.3 -15.05 47.1 47.21
27 28 Hunt 457 18.35 55.01 55.5
28 33 Merc 1,308.20 17.82 47.69 41.97
29 30 Summ 276.1 -44.14 48.64 48.61
30 47 Unio 786.8 47.35 49.8 42.68
31 27 Repu 2,976.70 -9.93 71.62 79.51
32 35 Fift 612.8 35.8 53.5 57.65
33 37 Harr 2,071.70 11.44 62.09 57.35
34 39 M & 489 -12.6 57.94 61.27
35 37 Mars 575.2 9.97 63.27 60
36 NR Zion 314.3 36.27 70.43 77.41
37 40 Nort 1,327.90 -27.08 51.63 53.81
38 NR Firs 649.2 1 59.78 57
39 43 Amso 519.5 14.13 53.63 51.23
40 42 Firs 529.2 60.83 65.05 60.45
41 44 Stat 3,229.70 5.61 99.11 99.21
42 50 Firs 602.7 24.97 47.38 48.69
43 46 Paci 427.6 -4.12 65.27 63.44
44 48 Popu 396 -34.22 48.03 45.46
45 NR Banc 125.2 4.54 53.02 50.72
46 49 Mich 86.4 3.85 74.16 72.08
47 NR Comp 553.1 18.29 56.06 45.53
48 NR Hibe 692.8 55.1 53.37 50.75
49 NR Old 232.5 16.45 46.19 49.61
50 NR Syno 205.3 14.17 65 63.71
Tota$194,597 22.76% 61.07% 59.16%
Aggr$302,200 12.34 58.73 56.90
Source: Sheshunoff Information Services, a Thomson Financial Co., and
