Commercial Business Lending by U.S. Banks

+++ Data are for banks (not holding companies) and are grouped by bank size and type: Dec. 31, 1985 to Dec. 31, 1994 ($ billion) Set 1 of 3

1994 1993 Top 10 Banks 177.1 163.4 Annual percent change in business lending 8.4 -0.5 Noncurrent business loans as a percentage of total 1.12 2.13 Net charge-offs of business loans as a percentage of total 0.1 0.73 Top 100 Banks 409.8 366.9 Annual percent change in business lending 11.7 2.5 Noncurrent business loans as a percentage of total 1.16 1.92 Net charge-offs of business loans as a percentage of total 0.18 0.69 Top 300 Banks 487.2 437.9 Annual percent change in business lending 11.25 1.86 Noncurrent business loans as a percentage of total 1.14 1.92 Net charge-offs of business loans as a percentage of total 0.2 0.69 All FDIC-insured commercial banks 589.1 538.9 Annual percent change in business lending 9.3 0.5 Noncurrent business loans as a percentage of total 1.03 1.71 Net charge-offs of business loans as a percentage of total 0.19 0.61 U.S. branches & agencies of foreign banks 171.2 158.5 Annual percent change in business lending 8 -5.6 Total for banks and U.S. branches & agencies of fgn banks 760.3 697.4 Annual percent change in business lending 9 -1 Set 2 of 3

1992 1991 1990 1989 1988 1987 Top 10 Banks 164.3 157.7 170 165.5 155.5 168.2 Annual percent -4.3 -7.2 2.7 6.4 -7.6 -9.4 Noncurrent busi 3.91 5.72 5.4 4.83 Net charge-offs 1.35 2.14 1.07 0.73 Top 100 Banks 357.8 364.4 393.5 389.4 372.4 368.4 Annual percent -3.5 -7.4 1.1 4.6 1.1 -2.6 Noncurrent busi 3.51 4.73 4.53 3.63 Net charge-offs 1.31 1.8 1.23 0.91 Top 300 Banks 429.9 444.7 485.5 482.9 463.7 452.8 Annual percent -3.33 -8.4 0.5 4.1 2.4 -2 Noncurrent busi 3.44 4.61 Net charge-offs 1.3 1.89 All FDIC-insure 536.4 559 615.5 618.7 600.3 589.3 Annual percent -4 -9.2 -0.5 3.1 1.9 -1.9 Noncurrent busi 2.97 3.9 3.76 3.47 Net charge-offs 1.14 1.63 1.21 1.06 U.S. branches & 167.9 166.2 148.9 138.2 124.8 108.6 Annual percent 1 11.6 7.7 10.7 14.9 20.3 Total for banks 704.3 725.2 764.4 756.9 725.1 697.9 Annual percent -2.9 -5.1 1 4.4 3.9 1 Set 3 of 3

1986 1985 Top 10 Banks 185.6 197.3 Annual percent -5.9 -3.8 Noncurrent bus Net charge-off Top 100 Banks 378.3 368.3 Annual percent 2.7 0.2 Noncurrent bus Net charge-off Top 300 Banks 462.2 444.4 Annual percent 4 Noncurrent bus Net charge-off All FDIC-insure 600.9 577.7 Annual percent 4 2.2 Noncurrent bus Net charge-off U.S. branches & 90.3 73 Annual percent 23.7 13 Total for banks 691.2 650.7 Annual percent 6.2 3.3 === Data Sources: Current data for the top 100 and the top 300 banks provided by Sheshunoff Information Services Inc., Austin, Texas. Data for all FDIC- insured commercial banks are from the Federal Deposit Insurance Corp., Washington, D.C. Data for the U.S. branches and agencies of foreign banks are from the Federal Reserve Board, Washington. D.C.