Top 100 Bank Depository Institutions in Home Equity Loans and

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part 1 of 4

Rank

1 BankAmerica Corp., Charlotte, N.C.

2 First Union Corp., Charlotte, N.C.

3 Banc One Corp., Chicago (o)

4 Wells Fargo & Co., San Francisco (n)

5 U.S. Bancorp, Minneapolis

6 Chase Manhattan Corp., New York

7 National City Corp., Cleveland

8 KeyCorp, Cleveland

9 PNC Bank Corp., Pittsburgh, Pa. (2) (3)

10 Fleet Financial Group Inc., Boston

11 SunTrust Banks Inc., Atlanta

12 Summit Bancorp, Princeton, N.J. (2) (3)

13 Citigroup Inc., New York (2) (3) (l)

14 Washington Mutual Inc., Seattle (2) (3)

15 Mellon Bank Corp., Pittsburgh

16 BankBoston Corp.

17 Huntington Bancshares Inc., Columbus, Ohio

18 Firstar Corp., Milwaukee (k)

19 BB&T Corp., Winston-Salem, NC

20 Wachovia Corp., Winston-Salem, NC

21 Royal Bank of Scotland Group, Edinburgh (f)

22 Allied Irish Banks Ltd., Dublin (g)

23 Provident Bankshares Corp., Baltimore

24 Fifth Third Bancorp, Cincinnati (2) (3)

25 SouthTrust Corp., Birmingham, Ala.

26 ABN AMRO Americas, Chicago (2) (3) (d) (m)

27 Amsouth Bancorp, Birmingham, Ala.

28 Marshall & Ilsley Corp., Milwaukee

29 First Tennessee National Corp., Memphis

30 HSBC Holdings Plc, London (a)

31 Bank of Montreal (b)

32 TCF Financial Corp., Minneapolis

33 M & T Bancorp, Buffalo

34 Bank of Tokyo Mitsubishi (c)

35 Navy FCU, Merrifield, Va.

36 Comerica Inc., Detroit

37 Old Kent Financial Corp., Grand Rapids, Mich.

38 Regions Financial Corp., Birmingham, Ala. (2)

39 Mercantile Bancorp Inc., St. Louis (3)

40 CCB Financial Corp., Durham, NC

41 Associated Banc-Corp., Green Bay, Wis. (2) (3)

42 Union Planters Corp., Memphis

43 BancWest Corp., Honolulu

44 Charter One Financial, Inc., Cleveland (3)

45 United Bankshares Inc., Charleston, W. Va.

46 First Citizens Bancshares, Raleigh, N.C.

47 Bank of New York Co.

48 Centura Banks Inc., Rocky Mount, N.C.

49 National Australia Bank Ltd., Melbourne (e)

50 Peoples Heritage Financial Group,-

Portland, Maine (2) (3)

51 First National Bank of Keystone, W. Va.

52 Sanwa Bank California, San Francisco (h)

53 State Employees CU, Raleigh, N.C.

54 First Virginia Banks Inc., Falls Church

55 Popular Inc., San Juan, Puerto Rico (2) (3)

56 Keystone Financial, Inc., Harrisburg, Pa.

57 Third Federal Savings & Loan, Cleveland (3)

58 Hibernia Corp., New Orleans

59 First Security Corp., Salt Lake City

60 Colonial BancGroup Inc., Montgomery, Ala.

61 Sovereign Bancorp Inc., Wyomissing, Pa. (3)

62 Compass Bancshares Inc., Birmingham, Ala.

63 FirstMerit Corp., Akron, Ohio (2)

64 First American Corp., Nashville, Tenn.

65 Dime Bancorp Inc., New York (3)

66 California Federal Bank, San Francisco (i) (3)

67 National Commerce Bancorp, Memphis (2) (3)

68 Fulton Financial Corp., Lancaster, Pa.

69 Northern Trust Corp., Chicago

70 CNB Bancshares Inc., Evansville, Ind.

71 Boeing Employees CU, Seattle, Wa.

72 Synovus Financial Corp., Columbus, Ga.

73 Zions Bancorp., Salt Lake City (2)

74 Commerce Bancorp Inc., Cherry Hill, N.J.

75 Riggs National Corp., Washington

76 One Valley Bancorp Inc., Charleston, W. Va.

77 Pacific Century Financial Corp., Honolulu

78 Pentagon FCU, Alexandria, Va.

79 People's Mutual Holdings, Bridgeport, Conn.

80 Mercantile Bankshares Corp., Baltimore, Md.

81 Wilmington Trust Corp., Del.

82 Webster Financial Corp., Waterbury, Conn. (3)

83 City Holding Co., Charleston, W. Va.

84 Golden One CU, Sacramento, Calif.

85 Associated Bank Illinois, Rockford

86 FirstBank Holding Co., Lakewood, Colo.

87 First Midwest Bancorp, Inc., Itasca, Ill.

88 Guaranty Financial Corp., Milwaukee

89 Commerce Bancshares, Inc., Kansas City, Mo.

90 Republic National Corp., New York (j)

91 First American Bank Corp., Elk Grove Village, Ill.

92 Chevy Chase Bank, FSB, Chevy Chase, Md. (3)

93 Irwin Financial Corp., Columbus, Ind.

94 BankNorth Group, Inc., Burlington, Vt.

95 Hubco, Inc., Mahwah, NJ (2) (3)

96 TrustCo Bank Corp., Schenectady, NY

97 Valley National Bancorp, Wayne, N.J.

98 Susquehanna Bancshares, Inc., Lititz, Pa. (3)

99 USAA FSB, San Antonio, Tex. (3)

100 First National of Nebraska, Omaha

Totals for the top 100

Totals for all commercial banks

Totals for all saving and loan institutions (3)

Totals for all credit unions (1)

part 2 of 5

Home Equity

Total Open-end Lines & Permanent

Closed-end Loans

Rank 12/31/98 12/31/97 % Chg.

1 BankAmerica C$19,014.70 $21,413.70 -11.20%

2 First Union C 12,807.50 13,716.40 -6.63

3 Banc One Corp 11,795.70 12,004.40 -1.74

4 Wells Fargo & 9,611.00 9,366.90 2.61

5 U.S. Bancorp, 6,708.90 5,518.90 21.56

6 Chase Manhatt 5,858.30 5,631.70 4.02

7 National City 5,216.70 4,399.30 18.58

8 KeyCorp, Clev 5,003.50 4,762.00 5.07

9 PNC Bank Corp 4,372.10 4,830.60 -9.49

10 Fleet Financi 4,025.10 4,635.40 -13.17

11 SunTrust Bank 3,494.40 3,192.70 9.45

12 Summit Bancor 3,418.90 2,444.00 39.89

13 Citigroup Inc 2,643.00 2,660.80 -0.67

14 Washington Mu 2,557.50 2,612.90 -2.12

15 Mellon Bank C 2,347.10 2,164.90 8.41

16 BankBoston Co 2,198.90 2,875.80 -23.54

17 Huntington Ba 2,185.60 2,202.50 -0.77

18 Firstar Corp. 2,122.10 1,773.20 19.68

19 BB&T Corp., W 1,958.40 1,727.80 13.35

20 Wachovia Corp 1,906.50 2,129.70 -10.48

21 Royal Bank of 1,699.70 1,481.00 14.77

22 Allied Irish 1,486.50 1,482.10 0.29

23 Provident Ban 1,469.50 1,119.30 31.29

24 Fifth Third B 1,387.20 1,021.70 35.78

25 SouthTrust Co 1,363.20 1,001.50 36.11

26 ABN AMRO Amer 1,330.10 1,270.40 4.69

27 Amsouth Banco 1,295.70 1,099.40 17.85

28 Marshall & Il 1,293.60 1,350.00 -4.18

29 First Tenness 1,255.50 944.3 32.95

30 HSBC Holdings 1,247.90 1,326.30 -5.91

31 Bank of Montr 1,121.00 1,209.50 -7.32

32 TCF Financial 1,120.90 1,381.90 -18.89

33 M & T Bancorp 1,112.90 1,088.40 2.26

34 Bank of Tokyo 1,071.80 1,284.10 -16.54

35 Navy FCU, Mer 1,007.90 1,055.10 -4.47

36 Comerica Inc. 993.6 1,021.30 -2.72

37 Old Kent Fina 931.5 827.6 12.54

38 Regions Finan 876.9 1,549.20 -43.4

39 Mercantile Ba 872.7 969.3 -9.97

40 CCB Financial 857.4 773.4 10.86

41 Associated Ba 786.1 592.8 32.59

42 Union Planter 780.2 827.5 -5.72

43 BancWest Corp 776.5 910.6 -14.73

44 Charter One F 734.3 688.9 6.6

45 United Banksh 734.2 212.6 N/M

46 First Citizen 685.8 663.1 3.42

47 Bank of New Y 666.9 759.2 -12.15

48 Centura Banks 656 552.3 18.78

49 National Aust 647.3 640.6 1.04

50 Peoples Heritage Financial Group,-

590 572.3 3.11

51 First Nationa 560.6 616.4 -9.04

52 Sanwa Bank Ca 554 756.1 -26.73

53 State Employe 538.1 551.8 -2.48

54 First Virgini 537.5 599.5 -10.35

55 Popular Inc., 521.4 306.7 70.03

56 Keystone Fina 489.6 449.8 8.85

57 Third Federal 471.7 443.8 6.28

58 Hibernia Corp 469.5 361.5 29.88

59 First Securit 468.3 558.9 -16.21

60 Colonial Banc 466.8 266.8 74.98

61 Sovereign Ban 459.3 464.5 -1.12

62 Compass Bancs 456.6 372.6 22.53

63 FirstMerit Co 419.1 360.9 16.11

64 First America 415.1 737.4 -43.71

65 Dime Bancorp 413.8 450.4 -8.12

66 California Fe 389.5 359.9 8.24

67 National Comm 382.4 362.9 5.38

68 Fulton Financ 353.8 369.5 -4.25

69 Northern Trus 351.1 386.1 -9.08

70 CNB Bancshare 338.9 328.4 3.19

71 Boeing Employ 337.7 324.6 4.02

72 Synovus Finan 329.8 302.6 8.98

73 Zions Bancorp 327.2 434.9 -24.78

74 Commerce Banc 323.3 265.3 21.83

75 Riggs Nationa 320 326.1 -1.88

76 One Valley Ba 309.8 250 23.9

77 Pacific Centu 303.4 279.3 8.65

78 Pentagon FCU, 295.9 245.1 20.74

79 People's Mutu $294.50 $228.70 28.77%

80 Mercantile Ba 290.8 326.1 -10.82

81 Wilmington Tr 287.8 276 4.28

82 Webster Finan 282.9 353 -19.85

83 City Holding 273.5 185.8 47.22

84 Golden One CU 272.8 292.4 -6.7

85 Associated Ba 271.6 0 N/M

86 FirstBank Hol 266.2 311.1 -14.45

87 First Midwest 263.6 254.1 3.71

88 Guaranty Fina 259.7 99.9 N/M

89 Commerce Banc 247.8 259.6 -4.53

90 Republic Nati 245.6 170.9 43.71

91 First America 241.3 247 -2.31

92 Chevy Chase B 230.7 149.3 54.52

93 Irwin Financi 229.3 153.5 49.42

94 BankNorth Gro 228.2 241.8 -5.6

95 Hubco, Inc., 226.9 167.6 35.33

96 TrustCo Bank 221.7 259.7 -14.64

97 Valley Nation 219.3 187.6 16.87

98 Susquehanna B 217.7 214.2 1.63

99 USAA FSB, San 211.5 163.5 29.31

100 First Nationa 205.9 192.9 6.76

Totals for th$157,192.20 $156,005.80 0.76

Totals for al$177,319.80 $174,514.10 1.61

Totals for al N/A N/A

Totals for al$29,738.70 $28,532.70 4.23

part 3 of 5

Home Equity

Open-end Revolving Lines

of Credit

Rank 12/31/98 12/31/97 % Chg.

1 BankAmerica C$13,722.10$14,233.60 -3.59%

2 First Union C 6,642.10 6,443.30 3.09

3 Banc One Corp 6,588.10 7,569.10 -12.96

4 Wells Fargo & 5,165.50 5,357.60 -3.59

5 U.S. Bancorp, 2,176.90 2,399.70 -9.28

6 Chase Manhatt 2,768.70 2,562.40 8.05

7 National City 2,558.20 2,518.80 1.56

8 KeyCorp, Clev 3,223.10 3,215.80 0.23

9 PNC Bank Corp 1,733.30 2,000.00 -13.34

10 Fleet Financi 3,191.40 3,582.00 -10.9

11 SunTrust Bank 1,846.70 2,077.90 -11.13

12 Summit Bancor 1,002.20 1,002.40 -0.02

13 Citigroup Inc 2,287.90 2,538.40 -9.87

14 Washington Mu 1,405.90 1,231.10 14.2

15 Mellon Bank C 641.8 470.2 36.49

16 BankBoston Co 1,423.00 1,634.40 -12.93

17 Huntington Ba 1,430.60 1,273.10 12.37

18 Firstar Corp. 1,179.20 960.2 22.81

19 BB&T Corp., W 1,651.30 1,532.10 7.78

20 Wachovia Corp 1,546.60 1,631.70 -5.21

21 Royal Bank of 694.6 740.8 -6.23

22 Allied Irish 536.4 620.4 -13.54

23 Provident Ban 189.4 210.5 -10.04

24 Fifth Third B 845.8 676.3 25.05

25 SouthTrust Co 1,170.10 817.7 43.1

26 ABN AMRO Amer 1,016.50 1,034.00 -1.7

27 Amsouth Banco 949.6 870.8 9.05

28 Marshall & Il 574.9 654.9 -12.21

29 First Tenness 681.8 619.8 10

30 HSBC Holdings 802.4 864.1 -7.14

31 Bank of Montr 738 848.5 -13.02

32 TCF Financial 488 576.7 -15.39

33 M & T Bancorp 742.2 771.6 -3.81

34 Bank of Tokyo 657.6 837.1 -21.45

35 Navy FCU, Mer N/A N/A N/M

36 Comerica Inc. 597.2 658.5 -9.3

37 Old Kent Fina 493.1 522.3 -5.58

38 Regions Finan 613.4 556.6 10.19

39 Mercantile Ba 530.8 604.3 -12.17

40 CCB Financial 342.4 326.2 4.95

41 Associated Ba 254 405 -37.28

42 Union Planter 477.2 461.4 3.42

43 BancWest Corp 475.2 550.6 -13.7

44 Charter One F 0 95.9 N/M

45 United Banksh 217 186 16.66

46 First Citizen 621.2 608.9 2.02

47 Bank of New Y 640.7 726.1 -11.76

48 Centura Banks 450.3 390.9 15.2

49 National Aust 274.3 362.5 -24.32

50 Peoples Heritage

Financial Group,- 540.2 520.4 3.81

51 First Nationa 0 0 N/M

52 Sanwa Bank Ca 157.9 160.4 -1.59

53 State Employe N/A N/A N/M

54 First Virgini 236.8 249.1 -4.95

55 Popular Inc., 42.5 41.9 1.55

56 Keystone Fina 120.1 140.1 -14.27

57 Third Federal 471.7 443.8 6.28

58 Hibernia Corp 256.2 209.2 22.44

59 First Securit 424.1 511.3 -17.05

60 Colonial Banc 144.8 121.5 19.25

61 Sovereign Ban 15.2 4.2 N/M

62 Compass Bancs 236 249.3 -5.35

63 FirstMerit Co 307.5 275 11.8

64 First America 282.1 294 -4.04

65 Dime Bancorp 413.8 450.4 -8.12

66 California Fe 0 0 N/M

67 National Comm 201.7 213.7 -5.6

68 Fulton Financ 101.8 96.2 5.85

69 Northern Trus 310 348.7 -11.12

70 CNB Bancshare 168.8 182.2 -7.3

71 Boeing Employ N/A N/A N/M

72 Synovus Finan 191.2 175.1 9.16

73 Zions Bancorp 164.4 210.4 -21.89

74 Commerce Banc 99.3 108.3 -8.31

75 Riggs Nationa 133.6 164.8 -18.97

76 One Valley Ba 226.2 195.8 15.53

77 Pacific Centu 268.2 272.3 -1.49

78 Pentagon FCU, N/A N/A N/M

79 People's Mutu $136.00 $112.00 21.38%

80 Mercantile Ba 147.3 157.5 -6.47

81 Wilmington Tr 180.4 178.9 0.82

82 Webster Finan 0.9 0 N/M

83 City Holding 38.7 34 13.89

84 Golden One CU N/A N/A N/M

85 Associated Ba 77.9 0 N/M

86 FirstBank Hol 42.7 46.6 -8.32

87 First Midwest 138.9 141.2 -1.65

88 Guaranty Fina 101.5 79.2 28.08

89 Commerce Banc 202.4 197.2 2.66

90 Republic Nati 231 159.8 44.51

91 First America 157.5 166.5 -5.44

92 Chevy Chase B 230.7 149.3 54.52

93 Irwin Financi 19.1 17.7 7.87

94 BankNorth Gro 154.7 161.7 -4.37

95 Hubco, Inc., 159.2 122.5 29.91

96 TrustCo Bank 147.6 172.4 -14.4

97 Valley Nation 113.9 93.4 21.92

98 Susquehanna B 90.6 106.8 -15.18

99 USAA FSB, San 211.5 163.5 29.31

100 First Nationa 83 83.7 -0.84

Totals for th$86,438.30$88,814.20 -2.68

Totals for al$96,674.50$98,089.20 -1.44

Totals for al$16,784.70$17,449.00 -3.81

Totals for all credit unions (1) part 4 of 5

Home Equity

Permanent Closed-end

Loans Rank 12/31/98 12/31/97 % Chg.

1 BankAmerica C$5,292.50 $7,180.10 -26.29%

2 First Union C 6,165.30 7,273.20 -15.23

3 Banc One Corp 5,207.50 4,435.30 17.41

4 Wells Fargo & 4,445.50 4,009.30 10.88

5 U.S. Bancorp, 4,532.00 3,119.20 45.3

6 Chase Manhatt 3,089.60 3,069.30 0.66

7 National City 2,658.50 1,880.50 41.37

8 KeyCorp, Clev 1,780.40 1,546.20 15.15

9 PNC Bank Corp 2,638.80 2,830.60 -6.78 10 Fleet Financi 833.7 1,053.50 -20.86 11 SunTrust Bank 1,647.70 1,114.80 47.8 12 Summit Bancor 2,416.70 1,441.70 67.63 13 Citigroup Inc 355 122.4 190.09 14 Washington Mu 1,151.50 1,381.80 -16.66 15 Mellon Bank C 1,705.30 1,694.70 0.62 16 BankBoston Co 775.9 1,241.50 -37.5 17 Huntington Ba 755 929.4 -18.76 18 Firstar Corp. 942.9 813 15.98 19 BB&T Corp., W 307.1 195.7 56.92 20 Wachovia Corp 359.9 498 -27.74 21 Royal Bank of 1,005.10 740.2 35.79 22 Allied Irish 950.1 861.7 10.25 23 Provident Ban 1,280.10 908.8 40.86 24 Fifth Third B 541.5 345.4 56.78 25 SouthTrust Co 193.1 183.8 5.04 26 ABN AMRO Amer 313.6 236.4 32.64 27 Amsouth Banco 346 228.6 51.36 28 Marshall & Il 718.6 695.1 3.38 29 First Tenness 573.6 324.5 76.77 30 HSBC Holdings 445.4 462.2 -3.63 31 Bank of Montr 383 361 6.08 32 TCF Financial 632.9 805.1 -21.39 33 M & T Bancorp 370.7 316.8 17.03 34 Bank of Tokyo 414.2 447 -7.34 35 Navy FCU, Mer N/A N/A N/M 36 Comerica Inc. 396.3 362.8 9.23 37 Old Kent Fina 438.3 305.4 43.54 38 Regions Finan 263.6 992.6 -73.45 39 Mercantile Ba 341.9 365 -6.32 40 CCB Financial 515.1 447.2 15.18 41 Associated Ba 532.1 187.8 183.33 42 Union Planter 303 366.1 -17.23 43 BancWest Corp 301.3 360 -16.3 44 Charter One F 734.3 593 23.83 45 United Banksh 517.2 26.6 N/M 46 First Citizen 64.6 54.2 19.11 47 Bank of New Y 26.3 33.2 -20.8 48 Centura Banks 205.8 161.4 27.45 49 National Aust 372.9 278.1 34.11 50 Peoples Heritage Financial Group,--

49.8 51.8 -3.91 51 First Nationa 560.6 616.4 -9.04 52 Sanwa Bank Ca 396.1 595.6 -33.5 53 State Employe N/A N/A N/M 54 First Virgini 300.7 350.4 -14.19 55 Popular Inc., 478.9 264.8 80.86 56 Keystone Fina 369.5 309.6 19.32 57 Third Federal N/A N/A N/M 58 Hibernia Corp 213.3 152.2 40.12 59 First Securit 44.2 47.6 -7.19 60 Colonial Banc 321.9 145.3 121.56 61 Sovereign Ban 444.2 460.3 -3.51 62 Compass Bancs 220.7 123.4 78.88 63 FirstMerit Co 111.6 85.9 29.89 64 First America 132.9 443.4 -70.02 65 Dime Bancorp N/A N/A N/M 66 California Fe 389.5 359.9 8.24 67 National Comm 180.7 149.2 21.11 68 Fulton Financ 252 273.4 -7.81 69 Northern Trus 41.1 37.4 9.94 70 CNB Bancshare 170 146.3 16.26 71 Boeing Employ N/A N/A N/M 72 Synovus Finan 138.6 127.5 8.72 73 Zions Bancorp 162.8 224.5 -27.48 74 Commerce Banc 224 157.1 42.6 75 Riggs Nationa 186.4 161.3 15.58 76 One Valley Ba 83.6 54.3 54.13 77 Pacific Centu 35.2 7 N/M 78 Pentagon FCU, N/A N/A N/M 79 People's Mutu $158.50 $116.70 35.86% 80 Mercantile Ba 143.5 168.6 -14.88 81 Wilmington Tr 107.4 97 10.67 82 Webster Finan 281.9 353 -20.12 83 City Holding 234.8 151.8 54.69 84 Golden One CU N/A N/A N/M 85 Associated Ba 193.7 0 N/M 86 FirstBank Hol 223.5 264.5 -15.52 87 First Midwest 124.7 112.9 10.43 88 Guaranty Fina 158.3 20.7 N/M 89 Commerce Banc 45.4 62.4 -27.26 90 Republic Nati 14.6 11 32.21 91 First America 83.8 80.5 4.17 92 Chevy Chase B N/A N/A N/M 93 Irwin Financi 210.3 135.8 54.83 94 BankNorth Gro 73.6 80 -8.07 95 Hubco, Inc., 67.7 45.1 50.03 96 TrustCo Bank 74.1 87.3 -15.12 97 Valley Nation 105.3 94.2 11.86 98 Susquehanna B 127.1 107.4 18.34 99 USAA FSB, San N/A N/A N/M 100 First Nationa 123 109.2 12.64

Totals for th$68,300.90$64,722.90 5.53

Totals for al$80,645.30$76,424.90 5.52

Totals for all saving and loan institutions (3)

Totals for all credit unions (1) part 5 of 5

% Nonperforming

Open-end Revolving Lines

of Credit Only (1) Rank 12/31/98 12/31/97

1 BankAmerica C 0.36% 0.42%

2 First Union C 0.43 0.52

3 Banc One Corp 0.53 0.46

4 Wells Fargo & 0.55 0.7

5 U.S. Bancorp, 0.27 0.12

6 Chase Manhatt 0.36 0.53

7 National City 0.1 0.25

8 KeyCorp, Clev 0.62 0.16

9 PNC Bank Corp 0.42 0.38 10 Fleet Financi 0.48 0.75 11 SunTrust Bank 0.38 0.39 12 Summit Bancor 0.37 0.18 13 Citigroup Inc 0.78 1.03 14 Washington Mu 0.39 0.22 15 Mellon Bank C 0.65 0.62 16 BankBoston Co 0.28 0.34 17 Huntington Ba 0.32 0.26 18 Firstar Corp. 0.38 0.17 19 BB&T Corp., W 0.16 0.22 20 Wachovia Corp 0.17 0.09 21 Royal Bank of 0.12 0.18 22 Allied Irish 0.14 0.1 23 Provident Ban 0.32 0.05 24 Fifth Third B 0.4 0.26 25 SouthTrust Co 0.01 0.12 26 ABN AMRO Amer 0.65 0.74 27 Amsouth Banco 0.6 0.46 28 Marshall & Il 0.48 0.29 29 First Tenness 0.33 0.67 30 HSBC Holdings 0.75 0.88 31 Bank of Montr 0.46 0.32 32 TCF Financial 0.18 0.17 33 M & T Bancorp 0.4 0.4 34 Bank of Tokyo 0.03 0.13 35 Navy FCU, Mer 1.57 1.64 36 Comerica Inc. 0.17 0.37 37 Old Kent Fina 0.36 0.16 38 Regions Finan 0.92 0.34 39 Mercantile Ba 0.24 0.21 40 CCB Financial 0.09 0.06 41 Associated Ba 0.38 1.03 42 Union Planter 0.63 0.2 43 BancWest Corp 0.62 0.54 44 Charter One F N/A N/A 45 United Banksh 0.35 0.18 46 First Citizen 0.01 0 47 Bank of New Y 0.93 0.84 48 Centura Banks 0.24 0.21 49 National Aust 0.69 0.27 50 Peoples Heritage Financial Group,--

0.17 0.43 51 First Nationa N/M N/M 52 Sanwa Bank Ca 0.11 0.19 53 State Employe 0.69 0.8 54 First Virgini 0.21 0.19 55 Popular Inc., 0.36 0.32 56 Keystone Fina 0.92 1.31 57 Third Federal N/A N/A 58 Hibernia Corp 0.32 0.1 59 First Securit 0.17 0.2 60 Colonial Banc 0.7 0.5 61 Sovereign Ban N/M N/M 62 Compass Bancs 0.09 0.1 63 FirstMerit Co 0.19 0.11 64 First America 0.27 0.16 65 Dime Bancorp N/A N/A 66 California Fe N/A N/A 67 National Comm 0.32 0.12 68 Fulton Financ 0.01 0.01 69 Northern Trus 0.83 0.57 70 CNB Bancshare 0.18 0.19 71 Boeing Employ 0.34 0.3 72 Synovus Finan 0.23 0.14 73 Zions Bancorp 0.15 0.16 74 Commerce Banc 0.2 0.52 75 Riggs Nationa 0.39 0.24 76 One Valley Ba 0.19 0.28 77 Pacific Centu 0.6 0.33 78 Pentagon FCU, 0.26 0.26 79 People's Mutu 0.79% 1.11% 80 Mercantile Ba 0.16 0.14 81 Wilmington Tr 0.7 0.46 82 Webster Finan N/A N/A 83 City Holding N/M N/M 84 Golden One CU 0.75 0.92 85 Associated Ba N/M N/M 86 FirstBank Hol N/M N/M 87 First Midwest 0.49 0.5 88 Guaranty Fina 0.58 0.97 89 Commerce Banc 0.06 0.19 90 Republic Nati 1.17 1.11 91 First America N/M N/M 92 Chevy Chase B N/A N/A 93 Irwin Financi 2.09 3.03 94 BankNorth Gro 0.38 0.62 95 Hubco, Inc., 1.5 1.73 96 TrustCo Bank 0.63 0.53 97 Valley Nation 0.51 0.58 98 Susquehanna B 0.44 0.23 99 USAA FSB, San N/A N/A 100 First Nationa 0.09 0.11

Totals for th 0.44 0.441

Totals for al 0.426 0.441

Totals for al 0.314 0.346

Totals for al 0.92 1.03

Source: Sheshunoff Information Services, a Thomson Financial company, from its commercial bank and saving & loan databases of FDIC regulatory call report information. Home equity loans have been consolidated for bank and S&L subsidiaries. Home equity lines of credit are the funded portion of all revolving, open-end loans secured by 1-4 family residential properties. Home equity permanent loans are closed-end loans secured by 1-4 family residential properties. This category is not available for savings & loan institutions. Nonperforming percentage equals the full outstanding balances, not just delinquent payments, of revolving open-end loans only which are past due by 90 days or more and/or have been placed on nonaccrual status. (1) Nonperforming percentage for credit unions reflects loans and lines of credits delinquent by 60 days or greater. (2) Holdings include revolving lines of credit for saving and loan subsidiaries. The nonperforming % component does not include savings and loan institutions. (3) Holdings include open-end revolving lines of credit only for savings and loan component. (a) Bank holding company for Marine Midland Bank, Buffalo, N.Y. (b) Bank holding company for Harris Bankcorp, Chicago. (c) Bank holding company for Union Bank of California, San Francisco. (d) Bank holding company for LaSalle National Corp., Chicago, European American Bank, New York, and Standard Federal, Troy, Mich. (e) Bank holding company for Michigan National Corp., Farmington HIlls. (f) Holding company for Citizens Financial Group Inc., Providence, R.I. (g) Bank holding company for First Maryland Bancorp, Baltimore. (h) Holding company for Sanwa Bank of California, San Francisco. (i) Owned by Mafco Holdings, New York. (j) Owned by Saban SA, Monaco. (k) Firstar holdings $1,175.0 and $1,171.8 for 1998 and 1997 respectively. Revolving component $661.8 and $665.6 with .39% and .21% nonperforming for 1998 and 1997. StarBanc Corp holdings $947.1 and $601.4 for 1998 and 1997 respectively. Revolving component $517.4 and $294.6 with .36% and .04% nonperforming for 1998 and 1997. (l) Citicorp, FSB San Francisco holdings $1,044.2 and $1,176.1 for 1998 and 1997 respectively. (m) LaSalle FSB holdings $130.7 and $103.6 for 1998 and 1997 respectively. Standard Federal holdings $ 407.6 and $446.6 for 1998 and 1997 respectively. (n) Wells Fargo holdings $ 6,004.7 and $6,532.6 for 1998 and 1997 respectively. Revolving component $4,285.5 and $4,629.0 with .63% and .76% nonperforming for 1998 and 1997. Norwest holdings $3,606.4 and $2,834.3 for 1998 and 1997 respectively. Revolving component $880.0 and $728.9 with .17% and .33% nonperforming for 1998 and 1997. (o) BancOne holdings $9,041.9 and $9,078.7 for 1998 and 1997 respectively. Revolving component $5,195.7 and $5,924.8 with .55% and .45% nonperforming for 1998 and 1997. First Chicago holdings $2,753.8 and $2,916.8 for 1998 and 1997 respectively. Revolving component $1,392.4 and $1,635.4 with .48% and .51% nonperforming for 1998 and 1997. N/A = not available. N/M = not meaningful American Banker 1999 ===