+++
As of June 30, 1997
(dollar amounts in thousands)
part 1 of 3
Home Equity Loans
Rank and Lines of Credit
6/30/97 6/30/97
1 Bank of America Nat Tr & SA, San Francisco $7,327,000
2 NationsBank NA Charlotte, N.C. 4,852,978
3 Wells Fargo Bank NA, San Francisco 4,619,101
4 KeyBank NA, Cleveland 3,146,010
5 First Union National Bank, Charlotte, N.C. 2,428,178
6 Fleet National Bank, Springfield, Ma. 1,786,490
7 Bank One NA, Columbus, Ohio 1,729,567
8 PNC Bank NA, Pittsburgh 1,548,874
9 Chase Manhattan Bank NA, New York 1,547,000
10 First Union National Bank, Avondale, Pa. 1,420,257
11 Citibank NA, New York 1,153,000
12 Huntington National Bank, Columbus, Ohio 1,139,992
13 CoreStates Bank NA, Philadelphia 1,084,549
14 Wachovia Bank NA, Winston-Salem, N.C. 1,055,565
15 Branch Banking &Trust Co., Winston-Salem, N.C. 1,040,795
16 First National Bank of Chicago 977,598
17 BankBoston NA 960,074
18 United States National Bank of Oregon, Portlan 953,636
19 First Bank NA, Minneapolis 933,756
20 Union Bank of California NA, San Francisco 904,413
21 Marine Midland Bank, Buffalo, N.Y. 878,202
22 Crestar Bank, Richmond, Va. 867,109
23 Fleet Bank NA, Jersey City, N.J. 824,320
24 AmSouth Bank, Birmingham, Ala. 805,082
25 Chase Manhattan Bank USA NA, Wilmington, Del. 798,902
26 Summit Bank, Hackensack, N.J. 783,708
27 Bank One-Arizona NA, Phoenix 733,320
28 Bank One Wisconsin, Milwaukee 723,591
29 Bank of New York 723,296
30 SouthTrust Bank NA, Birmingham, Ala. 688,057
31 Barnett Bank NA, Jacksonville, Fla. 658,258
32 Manufacturers & Traders TC, Buffalo, N.Y. 641,804
33 Fleet Bank of New York, Albany, N.Y. 597,204
34 Comerica Bank, Detroit, Mich. 554,225
35 First Tennessee Bank NA, Memphis, Tenn. 520,207
36 First-Citizens B&TC, Raleigh, N.C. 508,687
37 Bank One NA, Indianapolis 502,031
38 National City Bank of Pennsylvania, Pittsburgh 470,510
39 Bank One IL NA, Springfield, Ill. 465,422
40 Central Fidelity National Bank, Richmond, Va. 441,905
41 First Security Bank NA, Ogden, Utah 417,886
42 Rhode Island Hospital Trust National Bank, Pro 391,699
43 First National Bank of Maryland, Baltimore 379,799
44 National City Bank, Cleveland 377,532
45 First Union Bank of Connecticut, Stamford 362,633
46 First Hawaiian Bank, Honolulu 357,851
47 First Bank Montana NA, Billings 354,677
48 Michigan National Bank, Farmington Hills 350,210
49 Centura Bank, Rocky Mount, N.C. 344,761
50 First Union National Bank of Virginia, Roanoke 340,125
51 First Deposit National Bank, Tilton, N.H. $334,703
52 Old Kent Bank, Grand Rapids, Mich. 331,803
53 Bank One Colorado NA, Denver 323,646
54 Central Carolina Bank &Trust Co., Durham, N.C. 320,908
55 NBD Bank, Detroit 320,655
56 TCF National Bank MN, Minneapolis 315,950
57 Mellon Bank NA, Pittsburgh 297,254
58 Bank of Hawaii, Honolulu 274,847
59 First of America Bank of Michigan, Kalamazoo 274,037
60 Regions Bank, Birmingham 273,834
61 NationsBank of TN NA, Nashville 271,679
62 Branch Banking & Trust Co., South Carolina 269,792
63 Bank One Kentucky NA, Lextington 265,046
64 National City Bank of Indiana, Indianapolis 255,950
65 Mercantile Bank NA, St. Louis 254,087
66 Citizens Bank Rhode Island, Providence 253,972
67 National City Bank, Columbus 238,320
68 Northern Trust Co., Chicago 237,141
69 Citizens Bank of Massachussets, Boston 235,833
70 Star Bank NA, Cincinnati 234,090
71 Signet Bank, Richmond, Va. 233,918
72 Security Bank, Milwaukee 230,591
73 NBD Bank NA, Indianapolis 218,988
74 La Salle Bank, Westmont, Ill. 214,126
75 Bank of Boston Connecticut, Waterbury 209,646
76 National City Bank Northeast, Akron, Ohio 206,601
77 Compass Bank, Birmingham, Ala. 204,846
78 Citibank-New York State, Pittsford 201,142
79 Dauphin Deposit Branch & Trust Co., Harrisburg 187,362
80 First Union National Bank of Maryland, Rockvil 186,817
81 First American National Bank, Nashville, Tenn. 181,203
82 Fleet Bank-Maine, Portland, ME 179,680
83 Trustco Bank NA, Schenectady, NY 178,500
84 Bank One Utah NA, Salt Lake City, UT 175,456
85 Norwest Bank Colorado NA, Denver, Colorado 175,363
86 Wilmington Trust Co., Del. 164,386
87 Corus Bank NA, Chicago 162,293
88 Provident Bank, Cincinnati 159,408
89 Hibernia National Bank, New Orleans 158,888
90 Sanwa Bank California, San Francisco 158,471
91 SunTrust Bank, Atlanta 152,605
92 Provident Bank of Maryland, Baltimore 149,838
93 Bank of The West, San Francisco 146,623
94 First of America Bank-Illinois NA, Bannockburn 145,883
95 Firstar Bank Illinois, Chicago 145,427
96 Riggs Bank NA, McLean, Va. 144,914
97 National City Bank, Louisville, Ky. 144,434
98 United Carolina Bank, Whiteville, N.C. 144,057
99 Bank One West Virginia NA, Huntington 143,242
100 PNC Bank Kentucky, Louisville 137,928
Top 100 Total ($ in millions) $68,298.00
Total for all FDIC-insured Banks ($ in million $92,538.10
part 2 of 3
Nonperforming Home
Rank % Change Equity Loans %
6/30/97 6/30/96 6/96 6/30/97 6/30/96
1 Bank of America Na $5,369,000 36.47% 0.35% 0.61%
2 NationsBank NA Char 2,237,999 116.84 0.48 0.46
3 Wells Fargo Bank NA 6,133,862 -24.7 0.82 0.19
4 KeyBank NA, Clevela 1,209,174 160.18 0.2 0.11
5 First Union Nationa 459,975 427.89 0.33 0.1
6 Fleet National Bank 2,022,596 -11.67 0.48 1.11
7 Bank One NA, Columb 325,228 431.8 0.41 0.42
8 PNC Bank NA, Pittsb 1,229,646 25.96 0.45 0.37q
9 Chase Manhattan Ban 663,000 133.33 0.84 0.3
10 First Union Nationa 1,488,963 -4.61 0.84 0.11
11 Citibank NA, New Yo 1,240,000 -7.02 1.04 2.1
12 Huntington National 764,802 49.06 0.22 0.19
13 CoreStates Bank NA, 766,707 41.46 0.12 0.35
14 Wachovia Bank NA, W 383,323 175.37 0.06 0.09
15 Branch Banking &Tru 883,645 17.78 0.13 0.18
16 First National Bank 697,116 40.23 0.63 0.59
17 BankBoston NA 114,042 741.86 0.28 2.29
18 United States Natio 142,000 571.57 0 0
19 First Bank NA, Minn 295,851 215.62 0.14 0.28
20 Union Bank of Calif 1,010,668 -10.51 0.31 0.47
21 Marine Midland Bank 701,538 25.18 0.85 1.9
22 Crestar Bank, Richm 14,454 N/M 0.22 0
23 Fleet Bank NA, Jers 626,576 31.56 0.85 0.09
24 AmSouth Bank, Birmi 2,105 N/M 0.38 0
25 Chase Manhattan Ban N/M N/M 0.19 N/M
26 Summit Bank, Hacken 524,614 49.39 0 0
27 Bank One-Arizona NA 609,319 20.35 0.13 0.11
28 Bank One Wisconsin, 19,756 N/M 0.69 0.46
29 Bank of New York 519,196 39.31 1.06 1.56
30 SouthTrust Bank NA, 231,334 197.43 0.04 0.1
31 Barnett Bank NA, Ja 483,953 36.02 0.22 1.19
32 Manufacturers & Tra N/M N/M 0.46 N/M
33 Fleet Bank of New Y 565,005 5.7 0.5 0.97
34 Comerica Bank, Detr 432,856 28.04 0.17 0.2
35 First Tennessee Ban 491,954 5.74 0.89 0.54
36 First-Citizens B&TC 408,541 24.51 0 0
37 Bank One NA, Indian 206,061 143.63 0.14 0
38 National City Bank 446,654 5.34 0.15 0.05
39 Bank One IL NA, Spr 36,793 N/M 0.29 0.07
40 Central Fidelity Na 296,026 49.28 0.13 0.15
41 First Security Bank 403,593 3.54 0.05 0.01
42 Rhode Island Hospit 462,737 -15.35 0.32 0.08
43 First National Bank 322,664 17.71 0.06 0.03
44 National City Bank, 305,891 23.42 0.05 0.09
45 First Union Bank of 142,202 155.01 0.96 1.92
46 First Hawaiian Bank 336,805 6.25 0.84 0.52
47 First Bank Montana 307,759 15.25 0.11 0.15
48 Michigan National B 281,722 24.31 0.14 0.18
49 Centura Bank, Rocky 267,635 28.82 0.17 0.27
50 First Union Nationa 339,597 0.16 0.17 0.25
51 First Deposit Natio $216,415 54.66% 3.29% 4.34%
52 Old Kent Bank, Gran 255,523 29.85 0.21 0.16
53 Bank One Colorado N 245,443 31.86 0.23 0.13
54 Central Carolina Ba 263,654 21.72 0.04 0.13
55 NBD Bank, Detroit 284,326 12.78 0.15 0.09
56 TCF National Bank M 296,984 6.39 1.05 0.08
57 Mellon Bank NA, Pit 246,951 20.37 0.66 1.23
58 Bank of Hawaii, Hon 291,358 -5.67 0.13 0.37
59 First of America Ba 218,105 25.64 0.56 0.35
60 Regions Bank, Birmi 238,891 14.63 0.17 0.22
61 NationsBank of TN N 193,196 40.62 0.29 0.28
62 Branch Banking & Tr 227,110 18.79 0.18 0.27
63 Bank One Kentucky N 109,624 141.78 0.08 0.54
64 National City Bank 207,005 23.64 0 0
65 Mercantile Bank NA, 9,685 N/M 0.09 0
66 Citizens Bank Rhode 242,155 4.88 0.04 0.15
67 National City Bank, 204,680 16.44 0.05 0
68 Northern Trust Co., 223,557 6.08 0.84 0.61
69 Citizens Bank of Ma 184,902 27.54 0.18 0.2
70 Star Bank NA, Cinci 182,361 28.37 0.08 0.01
71 Signet Bank, Richmo 166,565 40.44 0.89 1.38
72 Security Bank, Milw 180,230 27.94 0.18 0.08
73 NBD Bank NA, Indian 199,442 9.8 0 0.09
74 La Salle Bank, West 101,751 110.44 0.64 0
75 Bank of Boston Conn 232,918 -9.99 0.9 1.05
76 National City Bank 159,977 29.14 0.05 0
77 Compass Bank, Birmi 175,866 16.48 0.06 0.2
78 Citibank-New York S 198,396 1.38 1.49 2.4
79 Dauphin Deposit Bra 172,467 8.64 0.06 0.05
80 First Union Nationa 64,556 189.39 0.7 1.08
81 First American Nati 137,948 31.36 0.09 0.06
82 Fleet Bank-Maine, P 180,170 -0.27 0.45 0.87
83 Trustco Bank NA, Sc 186,469 -4.27 0.71 0.53
84 Bank One Utah NA, S 150,837 16.32 0.29 0.07
85 Norwest Bank Colora 103,832 68.89 0.07 0.23
86 Wilmington Trust Co 157,066 4.66 0.57 0.36
87 Corus Bank NA, Chic 169,521 -4.26 2.22 1.13
88 Provident Bank, Cin 156,421 1.91 0.14 0.18
89 Hibernia National B 53,739 195.67 0.02 0.21
90 Sanwa Bank Californ 157,218 0.8 0.26 0.5
91 SunTrust Bank, Atla 107,124 42.46 0.1 0.48
92 Provident Bank of M 136,476 9.79 0.35 0.75
93 Bank of The West, S 159,317 -7.97 0.35 0.27
94 First of America Ba 124,599 17.08 1.02 0.75
95 Firstar Bank Illino 155,011 -6.18 0.94 1.56
96 Riggs Bank NA, McLe 148,394 -2.35 0.51 0.91
97 National City Bank, 126,410 14.26 0.04 0.03
98 United Carolina Ban 132,572 8.66 0.1 0.14
99 Bank One West Virgi 118,965 20.41 0.37 0.18
100 PNC Bank Kentucky, 131,455 4.92 0.19 0.27
Top 100 Total ($ in N/M N/M 0.43% 0.49%
Total for all FDIC-$85,580.40 8.13% 0.42% 0.46%
part 3 of 3
Home Equity Loans as a %
Rank Total Consumer Loans of Total Consumer loans
6/30/97 6/30/97 6/30/96 6/30/97 6/30/96
1 Bank of America $54,127,000 $45,140,000 13.54% 11.89%
2 NationsBank NA C 45,216,135 15,522,188 10.73 14.42
3 Wells Fargo Bank 22,599,095 24,661,334 20.44 24.87
4 KeyBank NA, Clev 22,287,903 8,812,001 14.12 13.72
5 First Union Nati 31,549,287 7,453,686 7.7 6.17
6 Fleet National B 9,636,285 9,151,139 18.54 22.1
7 Bank One NA, Col 12,739,652 3,861,219 13.58 8.42
8 PNC Bank NA, Pit 23,357,556 15,508,878 6.63 7.93
9 Chase Manhattan 41,774,000 17,612,000 3.7 3.76
10 First Union Nati 8,966,313 10,332,970 15.84 14.41
11 Citibank NA, New 36,493,000 35,210,000 3.16 3.52
12 Huntington Natio 7,003,806 4,847,738 16.28 15.78
13 CoreStates Bank 6,835,115 5,389,359 15.87 14.23
14 Wachovia Bank NA 12,387,226 4,141,637 8.52 9.26
15 Branch Banking & 6,177,415 5,527,559 16.85 15.99
16 First National B 6,013,466 3,599,752 16.26 19.37
17 BankBoston NA 8,840,290 5,026,531 10.86 2.27
18 United States Na 8,079,457 2,424,000 11.8 5.86
19 First Bank NA, M 11,803,768 4,255,851 7.91 6.95
20 Union Bank of Ca 6,631,843 6,700,647 13.64 15.08
21 Marine Midland B 12,803,648 6,936,158 6.86 10.11
22 Crestar Bank, Ri 9,406,120 168,546 9.22 8.58
23 Fleet Bank NA, J 5,464,802 5,143,341 15.08 12.18
24 AmSouth Bank, Bi 6,064,856 14,723 13.27 14.3
25 Chase Manhattan 21,933,358 N/M 3.64 N/M
26 Summit Bank, Hac 6,398,622 3,790,091 12.25 13.84
27 Bank One-Arizona 3,183,809 3,743,322 23.03 16.28
28 Bank One Wiscons 2,632,752 65,231 27.48 30.29
29 Bank of New York 3,597,786 2,574,719 20.1 20.17
30 SouthTrust Bank 7,845,126 2,672,261 8.77 8.66
31 Barnett Bank NA, 21,657,891 17,917,096 3.04 2.7
32 Manufacturers & 3,796,776 N/M 16.9 N/M
33 Fleet Bank of Ne 4,680,861 4,584,278 12.76 12.32
34 Comerica Bank, D 5,993,806 5,743,654 9.25 7.54
35 First Tennessee 4,790,403 4,907,312 10.86 10.02
36 First-Citizens B 3,025,109 3,204,601 16.82 12.75
37 Bank One NA, Ind 3,201,585 2,074,347 15.68 9.93
38 National City Ba 6,346,812 6,097,307 7.41 7.33
39 Bank One IL NA, 1,408,190 223,777 33.05 16.44
40 Central Fidelity 4,437,963 4,194,929 9.96 7.06
41 First Security B 4,562,538 4,209,369 9.16 9.59
42 Rhode Island Hos 847,246 1,010,399 46.23 45.8
43 First National B 1,963,542 1,581,632 19.34 20.4
44 National City Ba 2,510,396 2,379,419 15.04 12.86
45 First Union Bank 3,057,104 1,002,720 11.86 14.18
46 First Hawaiian B 2,144,117 1,525,955 16.69 22.07
47 First Bank Monta 698,431 666,341 50.78 46.19
48 Michigan Nationa 1,959,733 1,747,975 17.87 16.12
49 Centura Bank, Ro 1,592,940 1,596,804 21.64 16.76
50 First Union Nati 3,487,394 3,799,154 9.75 8.94
51 First Deposit Na $2,187,536 $1,746,387 15.30% 12.39%
52 Old Kent Bank, G 3,982,950 3,408,239 8.33 7.5
53 Bank One Colorad 1,014,597 1,180,251 31.9 20.8
54 Central Carolina 1,986,293 1,813,861 16.16 14.54
55 NBD Bank, Detroi 5,479,899 5,301,464 5.85 5.36
56 TCF National Ban 2,040,358 1,987,932 15.49 14.94
57 Mellon Bank NA, 6,830,127 6,936,502 4.35 3.56
58 Bank of Hawaii, 2,434,163 2,234,275 11.29 13.04
59 First of America 4,676,945 4,876,838 5.86 4.47
60 Regions Bank, Bi 5,272,273 4,396,721 5.19 5.43
61 NationsBank of T 1,592,768 1,508,870 17.06 12.8
62 Branch Banking & 1,400,632 1,493,689 19.26 15.2
63 Bank One Kentuck 1,946,792 1,994,831 13.61 5.5
64 National City Ba 2,440,760 2,483,710 10.49 8.33
65 Mercantile Bank 2,916,816 88,630 8.71 10.93
66 Citizens Bank Rh 2,077,877 2,222,150 12.22 10.9
67 National City Ba 2,150,918 2,316,353 11.08 8.84
68 Northern Trust C 3,024,055 2,792,741 7.84 8
69 Citizens Bank of 1,954,822 1,602,640 12.06 11.54
70 Star Bank NA, Ci 3,214,707 3,090,985 7.28 5.9
71 Signet Bank, Ric 2,724,442 2,912,233 8.59 5.72
72 Security Bank, M 1,957,228 1,802,419 11.78 10
73 NBD Bank NA, Ind 3,707,934 3,757,269 5.91 5.31
74 La Salle Bank, W 550,509 365,465 38.9 27.84
75 Bank of Boston C 2,869,441 2,704,967 7.31 8.61
76 National City Ba 1,377,527 1,266,893 15 12.63
77 Compass Bank, Bi 2,484,070 2,264,584 8.25 7.77
78 Citibank-New Yor 7,687,113 7,010,115 2.62 2.83
79 Dauphin Deposit 1,489,417 1,446,138 12.58 11.93
80 First Union Nati 1,253,356 724,647 14.91 8.91
81 First American N 3,091,533 2,850,778 5.86 4.84
82 Fleet Bank-Maine 854,407 692,121 21.03 26.03
83 Trustco Bank NA, 1,058,058 1,009,777 16.87 18.47
84 Bank One Utah NA 400,865 439,510 43.77 34.32
85 Norwest Bank Col 2,215,442 1,607,872 7.92 6.46
86 Wilmington Trust 1,809,066 1,689,735 9.09 9.3
87 Corus Bank NA, C 862,224 582,838 18.82 29.09
88 Provident Bank, 890,833 1,329,687 17.89 11.76
89 Hibernia Nationa 2,969,432 2,452,496 5.35 2.19
90 Sanwa Bank Calif 2,767,713 2,501,956 5.73 6.28
91 SunTrust Bank, A 2,324,296 1,690,784 6.57 6.34
92 Provident Bank o 1,474,124 1,187,821 10.16 11.49
93 Bank of The West 2,414,126 2,179,899 6.07 7.31
94 First of America 2,493,585 2,901,264 5.85 4.29
95 Firstar Bank Ill 878,894 740,068 16.55 20.95
96 Riggs Bank NA, M 1,582,529 1,613,271 9.16 9.2
97 National City Ba 2,203,171 2,337,721 6.56 5.41
98 United Carolina 1,485,792 1,370,047 9.7 9.68
99 Bank One West Vi 1,107,936 1,075,748 12.93 11.06
100 PNC Bank Kentuck 1,526,713 1,373,353 9.03 9.57
Top 100 Total ( $663,149.40 N/M 10.30% 10.12%
Total for all $1,248,215.01 $1,233,537.61 7.41% 6.99%
Sources: Sheshunoff Information Services, Inc., Austin, Tx., Federal
