+++ Based on commercial and industrial loans outstanding on Dec. 31, 1994, compared with Dec. 31, 1993 (dollar amounts in millions) Set 1 of 3 Rank Business Loans 12/94 Name of Bank, City, State 12/31/94 12/31/93 1 Citibank NA, New York 44,323 38,798 2 Bank of America NT&SA, San Francisco 29,785 27,628 3 Chemical Bank, New York 19,764 19,070 4 Chase Manhattan Bank NA, New York 17,684 17,700 5 First National Bank, Boston 15,039 14,141 6 Bank of New York 12,139 11,191 7 NationsBank of Texas NA, Dallas 10,411 9,610 8 Morgan Guaranty Trust Co., New York 9,822 8,730 9 Mellon Bank NA, Pittsburgh 9,430 8,905 10 NBD Bank NA, Detroit 8,706 6,479 11 Comerica Bank, Detroit 8,152 7,038 12 PNC Bank NA, Pittsburgh 8,008 8,290 13 Bank of America Illinois, Chicago 7,813 7,886 14 NationsBank of North Carolina NA, Charlotte 7,562 6,773 15 Wells Fargo Bank NA, San Francisco 6,817 5,800 16 First National Bank, Chicago 6,340 5,466 17 CoreStates Bank NA, Philadelphia 6,064 5,411 18 First Union National Bank of North Carolina, Charl 5,212 3,807 19 National Westminster Bank USA, New York (f) 4,882 5,769 20 Texas Commerce Bank NA, Houston 4,814 4,134 21 Union Bank, San Francisco (f) 4,725 4,170 22 Marine Midland Bank, Buffalo, N.Y. (f) 4,473 2,496 23 NationsBank of Georgia NA, Atlanta 4,432 4,547 24 Wachovia Bank of Georgia NA, Atlanta 4,091 2,825 25 First Fidelity Bank NA, Elkton, Md. 3,994 3,998 26 Bank of Tokyo Trust Co., New York 3,980 4,081 27 Society National Bank, Cleveland 3,927 3,498 28 Trust Company Bank, Atlanta 3,669 2,899 29 First Bank NA, Minneapolis, Minn. 3,586 3,137 30 LaSalle National Bank, Chicago (f) 3,481 2,793 31 Bankers Trust Co., New York 3,408 3,866 32 Wachovia Bank of North Carolina NA, Winston-Salem 3,399 2,898 33 United States National Bank, Portland, Ore. 3,020 2,889 34 Midlantic National Bank, Newark, N.J. 2,972 2,600 35 Seattle-First National Bank 2,944 2,793 36 Shawmut Bank Connecticut NA, Hartford 2,874 2,594 37 American National Bank & Trust Co., Chicago 2,823 1,992 38 NationsBank of Virginia NA, Richmond 2,776 2,850 39 United Jersey Bank, Hackensack, N.J. 2,753 2,246 40 Meridian Bank, Reading, Pa. 2,678 2,397 41 Republic National Bank of New York 2,668 2,537 42 Harris Trust & Savings Bank, Chicago (f) 2,657 2,436 43 Norwest Bank Minnesota NA, Minneapolis 2,612 2,377 44 Bank of California NA, San Francisco (f) 2,497 2,296 45 National City Bank, Cleveland 2,463 2,248 46 Bank One Texas NA, Dallas 2,461 2,173 47 First Union National Bank of Florida, Jacksonville 2,257 2,043 48 Fleet National Bank, Providence, R.I. 2,218 2,252 49 Northern Trust Co., Chicago 2,212 1,945 50 NationsBank of Maryland NA, Bethesda 2,207 1,987 51 Shawmut Bank NA, Boston 2,171 2,003 52 Fleet Bank of Massachusetts, NA, Boston 2,169 1,646 53 Michigan National Bank, Farmington Hills 2,133 1,747 54 NationsBank of Florida NA, Tampa 2,089 1,669 55 Huntington National Bank, Columbus, Ohio 2,015 1,882 56 JP Morgan Delaware, Wilmington 1,998 2,998 57 Bank of Hawaii, Honolulu 1,984 1,669 58 U.S. Bank of Washington NA, Seattle 1,971 1,772 59 Fleet Bank of New York, Albany 1,964 1,976 60 First Interstate Bank of Texas, NA, Houston 1,903 1,479 61 AmSouth Bank of Alabama, Birmingham 1,897 1,821 62 National Westminster Bank NJ, Jersey City (f) 1,877 1,570 63 First Tennessee Bank NA, Memphis 1,763 1,546 64 First Interstate Bank of California, Los Angeles 1,687 1,464 65 Crestar Bank, Richmond, Va. 1,662 1,618 66 Boatmen's National Bank, St. Louis 1,641 1,527 67 Provident Bank, Cincinnati 1,627 1,225 68 Fuji Bank & Trust Co., New York (f) 1,625 1,550 69 NBD Bank NA, Indianapolis 1,478 1,283 70 First National Bank of Maryland, Baltimore (f) 1,449 1,360 71 Manufacturers & Traders Trust Co., Buffalo, N.Y. 1,400 1,108 72 National City Bank, Louisville, Ky. 1,399 1,286 73 NationsBank of Tennessee NA, Nashville 1,368 1,302 74 Star Bank NA, Cincinnati 1,366 1,155 75 Key Bank of New York, Albany 1,341 1,140 76 Industrial Bank of Japan Trust Co., New York (f) 1,337 1,344 77 Bank One, Arizona NA, Phoenix 1,327 1,169 78 State Street Bank & Trust Co., Boston 1,325 1,052 79 Firstar Bank Milwaukee NA 1,290 1,203 80 Fifth Third Bank, Cincinnati 1,287 994 81 Banco Popular de Puerto Rico, San Juan 1,270 1,025 82 First Hawaiian Bank, Honolulu 1,258 1,193 83 Bank One, Indianapolis, NA 1,229 1,107 84 Signet Bank/Virginia, Richmond 1,210 1,173 85 National City Bank, Columbus, Ohio 1,198 1,013 86 Sun Bank NA, Orlando, Fla. 1,189 933 87 First Alabama Bank, Birmingham 1,188 1,061 88 Sanwa Bank California, San Francisco (f) 1,161 964 89 NationsBank of South Carolina NA, Rock Hill 1,161 985 90 IBJ Schroder Bank & Trust Co., New York (f) 1,114 1,298 91 First American National Bank, Nashville, Tenn. 1,080 938 92 SouthTrust Bank of Alabama, NA, Birmingham 1,072 989 93 M&I Marshall & Ilsley Bank, Milwaukee 1,069 921 94 First Interstate Bank of Oregon NA, Portland 1,062 998 95 Colorado National Bank, Denver 1,057 906 96 Key Bank of Washington, Tacoma 1,041 1,067 97 BayBank, Burlington, Mass. 1,006 902 98 Mercantile Bank of St. Louis, NA 952 713 99 Bank One,Milwaukee, NA 945 820 100 Fleet Bank NA, Hartford, Conn. 926 881

Totals for the top 100 banks (a) 409,755 371,935 Set 2 of 3

Total BL as a Total Noncurrent Rank Percent Assets % of Assets Business Loans 12/94 Name of Bank, C Change 12/31/94 12/31/94 12/31/94 12/31/93

1 Citibank NA, Ne 14.24 210,487 21.06 456 942

2 Bank of America 7.81 147,670 20.17 340 612

3 Chemical Bank, 3.64 135,742 14.56 416 981

4 Chase Manhattan -0.09 94,193 18.77 342 276

5 First National 6.35 36,887 40.77 104 159

6 Bank of New Yor 8.48 39,287 30.9 109 202

7 NationsBank of 8.34 39,329 26.47 25 31

8 Morgan Guaranty 12.51 124,384 7.9 104 146

9 Mellon Bank NA, 5.9 32,489 29.02 67 71

10 NBD Bank NA, De 34.38 31,494 27.65 28 40

11 Comerica Bank, 15.84 27,044 30.14 45 55

12 PNC Bank NA, Pi -3.41 44,625 17.94 37 93

13 Bank of America -0.93 17,551 44.52 204 183

14 NationsBank of 11.64 31,280 24.17 24 45

15 Wells Fargo Ban 17.53 52,216 13.05 83 235

16 First National 15.99 42,543 14.9 25 26

17 CoreStates Bank 12.07 21,889 27.7 71 88

18 First Union Nat 36.89 23,082 22.58 30 46

19 National Westmi -15.37 16,662 29.3 91 208

20 Texas Commerce 16.44 19,805 24.31 61 59

21 Union Bank, San 13.31 16,872 28.01 52 79

22 Marine Midland 79.2 18,336 24.39 76 168

23 NationsBank of -2.55 16,784 26.4 33 58

24 Wachovia Bank o 44.84 14,550 28.12 8 1

25 First Fidelity -0.08 33,411 11.96 111 142

26 Bank of Tokyo T -2.48 8,401 47.37 25 68

27 Society Nationa 12.26 24,571 15.98 35 61

28 Trust Company B 26.57 10,966 33.46 8 7

29 First Bank NA, 14.31 14,567 24.62 27 38

30 LaSalle Nationa 24.64 10,269 33.9 30 23

31 Bankers Trust C -11.85 74,820 4.55 519 352

32 Wachovia Bank o 17.27 22,225 15.29 18 26

33 United States N 4.54 11,205 26.95 20 19

34 Midlantic Natio 14.28 12,951 22.95 86 111

35 Seattle-First N 5.4 15,458 19.05 25 35

36 Shawmut Bank Co 10.79 17,117 16.79 15 37

37 American Nation 41.73 6,236 45.28 20 18

38 NationsBank of -2.6 11,536 24.06 64 78

39 United Jersey B 22.55 12,273 22.43 35 64

40 Meridian Bank, 11.68 12,845 20.84 23 34

41 Republic Nation 5.16 32,396 8.24 7 13

42 Harris Trust & 9.07 11,944 22.24 39 48

43 Norwest Bank Mi 9.9 15,454 16.9 9 21

44 Bank of Califor 8.73 7,706 32.4 33 54

45 National City B 9.56 9,468 26.01 21 20

46 Bank One Texas 13.26 18,242 13.49 10 6

47 First Union Nat 10.51 31,339 7.2 32 66

48 Fleet National -1.53 10,691 20.74 27 29

49 Northern Trust 13.71 14,735 15.01 17 17

50 NationsBank of 11.05 18,018 12.25 35 72

51 Shawmut Bank NA 8.41 14,432 15.04 22 30

52 Fleet Bank of M 31.74 9,757 22.23 10 26

53 Michigan Nation 22.05 8,253 25.84 26 30

54 NationsBank of 25.16 22,918 9.12 8 32

55 Huntington Nati 7.07 11,969 16.84 11 19

56 JP Morgan Delaw -33.36 3,005 66.48 34 38

57 Bank of Hawaii, 18.87 11,355 17.47 13 7

58 U.S. Bank of Wa 11.23 6,653 29.63 4 4

59 Fleet Bank of N -0.63 14,177 13.85 30 71

60 First Interstat 28.7 6,185 30.77 5 12

61 AmSouth Bank of 4.2 9,110 20.82 18 20

62 National Westmi 19.5 10,194 18.41 44 30

63 First Tennessee 14.01 10,042 17.56 2 6

64 First Interstat 15.24 25,251 6.68 10 40

65 Crestar Bank, R 2.71 11,686 14.22 9 22

66 Boatmen's Natio 7.49 10,932 15.01 7 25

67 Provident Bank, 32.83 5,100 31.89 2 10

68 Fuji Bank & Tru 4.86 2,598 62.56 0 0

69 NBD Bank NA, In 15.15 9,827 15.04 19 27

70 First National 6.56 7,318 19.8 9 36

71 Manufacturers & 26.41 8,813 15.89 5 8

72 National City B 8.81 6,398 21.87 10 7

73 NationsBank of 5.1 5,439 25.16 15 14

74 Star Bank NA, C 18.28 8,242 16.58 14 24

75 Key Bank of New 17.62 14,945 8.97 25 30

76 Industrial Bank -0.51 4,762 28.08 11 11

77 Bank One, Arizo 13.53 11,936 11.12 4 29

78 State Street Ba 25.93 21,611 6.13 17 18

79 Firstar Bank Mi 7.23 6,339 20.35 12 7

80 Fifth Third Ban 29.46 8,469 15.2 2 2

81 Banco Popular d 23.95 11,559 10.99 22 26

82 First Hawaiian 5.4 6,276 20.04 47 36

83 Bank One, India 10.95 6,077 20.22 16 15

84 Signet Bank/Vir 3.15 6,752 17.92 5 19

85 National City B 18.36 5,947 20.15 4 12

86 Sun Bank NA, Or 27.41 5,256 22.62 5 4

87 First Alabama B 11.92 9,418 12.61 4 3

88 Sanwa Bank Cali 20.55 7,975 14.56 17 33

89 NationsBank of 17.82 9,603 12.09 18 15

90 IBJ Schroder Ba -14.19 4,654 23.94 39 36

91 First American 15.14 7,535 14.33 4 8

92 SouthTrust Bank 8.43 5,509 19.46 6 7

93 M&I Marshall & 16.06 3,913 27.32 1 2

94 First Interstat 6.49 6,312 16.83 23 3

95 Colorado Nation 16.7 6,702 15.78 1 4

96 Key Bank of Was -2.42 7,603 13.7 11 15

97 BayBank, Burlin 11.48 9,707 10.36 11 24

98 Mercantile Bank 33.43 6,380 14.92 1 3

99 Bank One,Milwau 15.3 4,303 21.97 5 4

100 Fleet Bank NA, 5.07 6,770 13.68 7 13

Totals for the 10.17 2,170,014 18.88 4,765 7,179 Set 3 of 3

Gross return

Noncurrent as a % Business Loan on Domestic Rank Business Loans Net Charge-offs Business Loans 12/94 Name of Ba 12/31/94 12/31/93 1994 1993 1994 1993

1 Citibank N 1.03 2.43 -2 182 6.82 7.29

2 Bank of Am 1.14 2.22 -37 122 7.48 6.32

3 Chemical B 2.1 5.14 64 458 8.07 9

4 Chase Manh 1.93 1.56 -5.202 170.712 7.15 7.02

5 First Nati 0.69 1.13 25.669 74.294 7.49 6.68

6 Bank of Ne 0.9 1.8 117.32 106.86 8.93 8.39

7 NationsBan 0.24 0.32 4.818 -1.432 6.25 5.45

8 Morgan Gua 1.06 1.68 3.418 60.785 7.28 7.24

9 Mellon Ban 0.71 0.8 6.007 16.012 6.41 4.85

10 NBD Bank N 0.32 0.62 3.193 19.785 6.84 6.8

11 Comerica B 0.56 0.78 0.897 11.475 6.6 5.91

12 PNC Bank N 0.46 1.12 2.771 22.023 7.2 5.62

13 Bank of Am 2.61 2.32 -5 87 2.59 6.23

14 NationsBan 0.32 0.66 13.174 12.873 7.21 5.73

15 Wells Farg 1.22 4.06 18.358 40.943 8.4 10.27

16 First Nati 0.4 0.47 -0.467 14.131 6.21 6.01

17 CoreStates 1.17 1.62 32.918 25.87 6.89 6.74

18 First Unio 0.57 1.2 -1.323 8.26 7.72 8.26

19 National W 1.87 3.6 73.362 144.447 9.31 7.44

20 Texas Comm 1.27 1.42 -5.404 12.036 5.83 5.12

21 Union Bank 1.11 1.88 37.974 31.053 7.98 8.25

22 Marine Mid 1.71 6.72 -5.187 19.957 5.63 7.74

23 NationsBan 0.74 1.27 24.681 27.423 7.95 7

24 Wachovia B 0.19 0.04 4.848 0.938 5 4.58

25 First Fide 2.77 3.55 50.111 82.181 8.21 7.58

26 Bank of To 0.64 1.67 9.632 43.711 6.38 5.17

27 Society Na 0.89 1.74 0.931 27.714 8.95 8.43

28 Trust Comp 0.22 0.25 4.519 8.468 5.65 5.02

29 First Bank 0.76 1.22 -4.004 11.626 7.51 6.68

30 LaSalle Na 0.85 0.84 6.034 15.219 8.52 6.79

31 Bankers Tr 15.23 9.11 56 68 5.67 5.23

32 Wachovia B 0.52 0.91 3.276 -0.132 5.48 5.23

33 United Sta 0.66 0.67 1 10.912 7.19 6.04

34 Midlantic 2.9 4.27 30.705 51.724 7.56 8.54

35 Seattle-Fi 0.85 1.24 -4 -4.242 7.86 8.26

36 Shawmut Ba 0.52 1.43 5.598 17.796 6.53 5.49

37 American N 0.7 0.91 6.311 5.526 6.84 7.42

38 NationsBan 2.3 2.75 5.276 10.964 7.39 6.6

39 United Jer 1.26 2.85 27.071 47.245 7.16 7.16

40 Meridian B 0.87 1.43 11.978 18.498 7.19 6.94

41 Republic N 0.26 0.52 0.875 1.947 7.12 7.15

42 Harris Tru 1.45 1.99 17.371 25.848 7.01 6.09

43 Norwest Ba 0.33 0.88 1.253 0.837 8.38 7.56

44 Bank of Ca 1.33 2.35 26.542 23.071 6.28 5.81

45 National C 0.86 0.87 7.519 5.684 8.44 8.19

46 Bank One T 0.39 0.29 -0.702 -8.972 7.16 7.64

47 First Unio 1.43 3.23 -3.323 9.558 9.1 10.09

48 Fleet Nati 1.2 1.28 -0.146 28.917 8.38 7.57

49 Northern T 0.75 0.87 3.264 10.569 5.69 4.94

50 NationsBan 1.57 3.63 -4.479 -8.807 7.87 3.97

51 Shawmut Ba 1.01 1.51 -1.345 12.555 6.91 6.55

52 Fleet Bank 0.45 1.58 4.449 3.121 6.85 6.65

53 Michigan N 1.2 1.73 21.411 6.618 8.13 10.9

54 NationsBan 0.4 1.93 -0.836 2.258 6.59 6.01

55 Huntington 0.54 1.04 2.418 11.602 9.1 9.56

56 JP Morgan 1.68 1.28 -1.533 5.657 6.68 3.5

57 Bank of Ha 0.67 0.45 -7.401 48.899 4.7 5.89

58 U.S. Bank 0.21 0.25 3.162 5.675 7.88 7.64

59 Fleet Bank 1.52 3.61 0.209 45.038 8.6 9.84

60 First Inte 0.24 0.78 -0.732 6.392 5.08 4.96

61 AmSouth Ba 0.95 1.09 2.68 5.648 7.77 6.78

62 National W 2.36 1.89 14.848 23.704 6.85 8.21

63 First Tenn 0.13 0.36 0.406 5.821 6.38 6.1

64 First Inte 0.6 2.71 -0.48 5.012 6.78 7.27

65 Crestar Ba 0.52 1.35 0.93 6.293 6.77 6.84

66 Boatmen's 0.41 1.63 2.143 5.994 7.38 7.02

67 Provident 0.14 0.82 -3.806 2.672 7.87 7.61

68 Fuji Bank 0 0.01 0.06 0 5.42 4.47

69 NBD Bank N 1.3 2.07 -0.962 14.786 7.28 8.81

70 First Nati 0.63 2.65 -0.757 6.909 8.15 7.55

71 Manufactur 0.37 0.68 -2.88 6.464 7.26 8.67

72 National C 0.7 0.53 5.562 2.714 7.5 5.68

73 NationsBan 1.12 1.06 1.173 1.993 7.15 6.38

74 Star Bank 1.02 2.07 3.438 15.881 8.07 6.91

75 Key Bank o 1.83 2.67 8.095 20.78 7.68 8.16

76 Industrial 0.83 0.85 1.581 0 6.42 6.63

77 Bank One, 0.32 2.45 -9.837 -1.958 7.3 6.26

78 State Stre 1.29 1.72 7.24 9.207 7.03 7.07

79 Firstar Ba 0.93 0.62 3.75 0.736 7.06 6.11

80 Fifth Thir 0.17 0.19 3.532 8.954 6.3 6.93

81 Banco Popu 1.75 2.52 12.51 22.341 9.28 9.51

82 First Hawa 3.73 3 7.072 1.985 6.84 6.48

83 Bank One, 1.27 1.31 -0.984 -0.217 6.99 7.96

84 Signet Ban 0.38 1.62 3.71 3.461 8.22 7.1

85 National C 0.3 1.16 2.625 4.754 6.87 6.7

86 Sun Bank N 0.45 0.48 4.697 4.575 5.61 5.73

87 First Alab 0.34 0.26 3.524 3.973 7 6.55

88 Sanwa Bank 1.42 3.48 7.767 -0.401 6.64 6.79

89 NationsBan 1.54 1.57 0.77 2.926 6.41 5.88

90 IBJ Schrod 3.51 2.75 19.449 53.769 7.32 5.26

91 First Amer 0.35 0.84 -3.545 -1.395 6.63 5.93

92 SouthTrust 0.52 0.72 2.968 4.125 6.75 4.93

93 M&I Marsha 0.09 0.21 -0.465 1.284 6.89 6.33

94 First Inte 2.19 0.29 -3.197 -3.582 7.06 5.83

95 Colorado N 0.11 0.45 12.232 -1.031 7.42 5.08

96 Key Bank o 1.1 1.38 -0.303 0.213 7.61 7.7

97 BayBank, B 1.08 2.69 -0.561 3.608 6.65 5.85

98 Mercantile 0.13 0.35 -1.399 4.279 6.95 6.64

99 Bank One,M 0.53 0.46 -1.708 2.892 8.58 9.07

100 Fleet Bank 0.78 1.51 2.181 11.801 6.45 7.2

Totals for 1.16 1.93 754 2,580 7.07 6.8 === Data Source: Compiled by American Banker from data provided by Sheshunoff Information Services Inc., Austin Texas. Data for 1993 have been restated for bank acquisitions on a pooling of interests basis. Business loans are commercial and industrial loans outstanding. The data are consolidated to include domestic and foreign offices. Percent change in business loans outstanding from yearend 1993 to yearend 1994. BL as a % of Assets is business loans outstanding at yearend as a percentage of total assets at yearend. Total noncurrent business loans are business loans 90 or more days past due plus loans placed on a nonaccrual basis. Noncurrent as a % of business loans is noncurrent business loans as a percentage of total business loans at yearend. Business loan net charge-offs are total business loans charged off during the year less recoveries. Gross return on domestic business loans is gross interest and fee income on business loans booked in domestic offices during the year as a perecentage of domestically-booked business loans at yearend. (a)- Totals are for the top 100 of 1994. (f)- A subsidiary of a foreign bank. American Banker, 1995.

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