+++ Includes loans secured by residential real estate, credit card loans, and all other consumer loans. Dec. 31, 1994, compared with Dec. 31, 1993 (dollar amounts in thousands) part 1 of 3 Rank Total Consumer Loans Dec-94 12/31/94 12/31/93 101 Mercantile Bank of St. Louis, NA 2,085,428 1,047,077 102 First American Nati'l Bk, Nashville, Tenn. 2,084,131 1,844,945 103 Summit Bank, N.J. 2,059,337 1,418,105 104 Bank South NA, Atlanta 2,010,737 1,831,581 105 Fleet Bank of Massachusetts, NA, Boston 2,006,694 1,861,783 106 Bank of America Oregon, Portland 2,001,356 1,761,839 107 PNC Mortgage Bank NA, Pittsburgh 1,943,069 3,098,521 108 Harris Trust & Savings Bank, Chicago 1,943,033 1,627,894 109 Boatmen's National Bank, St. Louis 1,906,229 1,563,350 110 United States National Bank, Portland, Ore. 1,902,000 2,380,307 111 Bank One, Indianapolis, NA 1,896,661 1,497,842 112 First Security Bank of Idaho NA, Boise 1,888,075 1,618,634 113 Northern Trust Co., Chicago 1,867,952 1,699,294 114 NationsBank of Virginia NA, Richmond 1,820,117 1,859,221 115 Chemical Bank NA, Jericho, N.Y. 1,819,885 1,249,442 116 Bank One, Dayton, NA, Ohio 1,803,573 1,505,090 117 Barnett Bank of South Florida NA, Miami 1,747,012 1,574,119 118 Barnett Bk of Pinellas Cty. NA, St Petersburg, Fla 1,740,053 1,500,947 119 First Deposit National Bank, Tilton, N.H. 1,736,286 1,509,033 120 First Hawaiian Bank, Honolulu 1,729,988 1,600,304 121 Barnett Bank of Central Florida NA, Orlando 1,727,235 1,693,593 122 Bank of the West, San Francisco 1,721,970 1,578,552 123 National City Bank, Louisville, Ky. 1,690,998 1,567,644 124 NBD Bank, Wheaton, Ill. 1,678,325 1,413,902 125 Liberty Nati'l Bank & Trust Co., Louisville, KY 1,669,711 1,507,521 126 Southern National Bank of N.C., Lumberton 1,601,266 1,344,183 127 Beneficial Nat'l Bank USA, Wilmington, Del. 1,600,558 922,718 128 Wilmington Trust Co., Del. 1,597,577 1,515,661 129 Colonial National Bank USA, Wilmington, Del. 1,574,845 1,100,235 130 Premier Bank NA, Baton Rouge, La. 1,572,096 1,280,042 131 Hibernia National Bank, New Orleans 1,506,382 1,247,590 132 First Virginia Bank, Falls Church 1,483,720 1,360,002 133 NationsBank of Tennessee NA, Nashville 1,437,060 1,238,644 134 Signet Bank/Virginia, Richmond 1,432,936 2,802,639 135 Dauphin Deposit B&T Co., Harrisburg, Pa. 1,415,564 1,203,608 136 European American Bank, New York 1,415,477 1,007,830 137 U.S. Bank of Washington NA, Seattle 1,387,021 1,184,600 138 PNC Bank, Ohio, NA, Cincinnati 1,386,122 1,390,375 139 Centura Bank, Rocky Mount, N.C. 1,375,536 1,273,783 140 Bank One,Milwaukee, NA 1,371,266 1,316,384 141 World Financial Network Nat'l Bk, Whitehall, Ohio 1,363,810 1,096,974 142 Riggs National Bank,Washington D.C. 1,349,908 1,229,456 143 Trust Company Bank, Atlanta 1,346,664 1,154,996 144 Barnett Bk of Palm Beach Cty., W. Palm Beach, Fla. 1,345,263 1,243,097 145 Michigan National Bank, Farmington Hills 1,343,524 1,776,652 146 Valley National Bank, Passaic, N.J. 1,331,672 1,176,505 147 Integra Bank/North, Titusville, Pa. 1,319,161 1,221,484 148 Key Bank of Oregon, Portland 1,318,741 926,529 149 Firstar Bank Milwaukee NA 1,311,590 1,316,741 150 First National Bank of Maryland, Baltimore 1,310,733 1,120,949 151 CoreStates New Jersey Nat'l Bank, Pennington 1,297,381 1,879,041 152 Southern Nat'l Bank-South Carolina, Columbia 1,289,918 151,926 153 FirstBank Puerto Rico, Santurce 1,279,421 - 154 PNC Bank Kentucky, Louisville 1,269,558 1,259,084 155 Old Kent Bank & Trust Co., Grand Rapids, Mich. 1,269,463 1,081,784 156 Sun Bank NA, Orlando, Fla. 1,256,204 1,221,334 157 Norwest Bank Wyoming NA, Casper 1,256,115 148,520 158 Fleet National Bank, Providence, R.I. 1,248,407 1,066,718 159 First National Bank, Omaha, Neb. 1,244,515 1,194,572 160 Fleet Bank NA, Hartford, Conn. 1,240,268 1,443,603 161 Provident Bank, Cincinnati 1,219,483 1,050,840 162 Dillard National Bank, Phoenix 1,190,687 1,185,242 163 First National Bank of Commerce, New Orleans 1,185,903 990,898 164 Wachovia Bank of So. Carolina, NA, Columbia 1,173,379 1,146,368 165 Signet Bank/Maryland, Baltimore 1,163,773 751,611 166 Chase Manhattan Bk Connecticut, NA, Bridgeport 1,153,802 1,170,466 167 Bank IV Kansas NA, Wichita 1,147,680 1,117,436 168 Bank One, West Virginia, NA, Huntington 1,146,305 876,502 169 Banco Santander Puerto Rico, Hato Rey 1,141,575 1,120,645 170 United Carolina Bank, Whiteville, N.C. 1,135,085 1,040,773 171 Key Bank Maine, Portland 1,134,573 1,105,685 172 Trustmark National Bank, Jackson, Miss. 1,110,522 1,099,753 173 Central Carolina Bank & Trust Co., Durham, N.C. 1,110,470 962,198 174 Barnett Bank of Tampa, NA, Fla. 1,109,395 1,040,445 175 Bank One, Akron, NA, Ohio 1,104,822 951,827 176 National City Bank, Akron, Ohio 1,091,762 1,069,578 177 Regions Bank of Louisiana, Baton Rouge 1,082,849 - 178 Barnett Bank of Southwest Florida, Sarasota 1,079,691 1,053,775 179 Sun Bank/Gulf Coast, Sarasota, Fla. 1,072,465 918,651 180 First Fidelity Bank, Stamford, Conn. 1,043,653 850,453 181 Society National Bank, Indiana, South Bend 1,041,839 859,401 182 Bank One, Cleveland, NA 1,034,094 1,013,008 183 Colonial Bank, Montgomery, Ala. 1,022,868 1,127,966 184 Deposit Guaranty Nat'l Bank, Jackson, Miss. 1,012,287 937,089 185 National City Bank, Dayton, Ohio 1,002,992 915,950 186 United States Trust Co., New York 997,183 828,523 187 First National Bank of Ohio, Akron 986,558 648,790 188 West One Bank, Idaho, NA, Boise 969,560 849,655 189 SouthTrust Bank of Georgia, NA, Atlanta 969,009 677,538 190 Barnett Bank of Jacksonville, NA, Fla. 962,286 930,187 191 Provident Bank of Maryland, Baltimore 953,570 985,965 192 Magna Bank of Illinois, Belleville 944,664 842,984 193 Bank of California NA, San Francisco 941,431 952,382 194 R.I. Hospital Trust Nat'l Bank, Providence 930,664 1,555,273 195 Fleet Bank of Maine, Portland 923,903 824,050 196 Trustco Bank, NA, Schenectady, N.Y. 923,281 834,325 197 Sun Bank/South Florida NA, Fort Lauderdale 918,316 777,411 198 Huntington National Bank,Indiana, Noblesvill 897,205 864,477 199 First Interstate Bank of Texas, NA, Houston 889,463 658,093 200 U.S. Bank of California, Sacramento 880,387 675,985 part 2 of 3
Total Consumer Home Equity Rank Loans 1-4 Family Mortgage Loans Loans Dec-94 % Chg. 12/31/94 12/31/93 %Chg. 12/31/94 12/31/93 101 Mercantile Bank 99.2 1,224,149 371,527 229.5 174,068 117,576 102 First American 13 1,055,379 895,192 17.9 107,868 104,134 103 Summit Bank, N. 45.2 1,560,473 1,035,581 50.7 222,092 200,930 104 Bank South NA, 9.8 625,502 524,186 19.3 129,406 125,747 105 Fleet Bank of M 7.8 1,041,534 691,914 50.5 567,166 597,769 106 Bank of America 13.6 1,502,152 1,298,333 15.7 183,197 167,227 107 PNC Mortgage Ba -37.3 1,943,069 3,098,379 -37.3 - 108 Harris Trust & 19.4 557,336 514,765 8.3 104,768 107,071 109 Boatmen's Natio 21.9 856,736 780,257 9.8 236,870 214,064 110 United States N -20.1 480,000 1,021,513 -53 91,000 84,507 111 Bank One, India 26.6 486,360 357,842 35.9 119,569 102,786 112 First Security 16.6 511,502 462,825 10.5 119,261 94,928 113 Northern Trust 9.9 1,456,942 1,348,959 8 171,914 173,934 114 NationsBank of -2.1 669,731 553,896 20.9 279,934 241,095 115 Chemical Bank N 45.7 1,391,923 839,141 65.9 48,021 56,861 116 Bank One, Dayto 19.8 162,466 118,507 37.1 152,898 119,255 117 Barnett Bank of 11 1,080,529 990,109 9.1 33,520 30,141 118 Barnett Bk of P 15.9 1,289,203 1,057,031 22 30,018 30,221 119 First Deposit N 15.1 25,126 6,595 281 446,923 312,579 120 First Hawaiian 8.1 885,900 793,077 11.7 340,149 312,226 121 Barnett Bank of 2 581,999 585,320 -0.6 36,107 32,441 122 Bank of the Wes 9.1 478,752 400,405 19.6 151,937 159,926 123 National City B 7.9 821,286 790,282 3.9 102,869 93,974 124 NBD Bank, Wheat 18.7 588,341 400,992 46.7 260,040 252,912 125 Liberty Nati'l 10.8 327,301 291,594 12.2 65,205 57,699 126 Southern Nation 19.1 964,395 785,638 22.8 267,168 241,952 127 Beneficial Nat' 73.5 - - - 128 Wilmington Trus 5.4 847,179 848,969 -0.2 150,007 148,593 129 Colonial Nation 43.1 38,520 83,122 -53.7 - 130 Premier Bank NA 22.8 537,328 437,961 22.7 26,266 23,681 131 Hibernia Nation 20.7 690,925 652,140 5.9 36,294 31,510 132 First Virginia 9.1 521,096 517,894 0.6 101,455 114,872 133 NationsBank of 16 1,019,177 782,744 30.2 116,187 91,367 134 Signet Bank/Vir -48.9 282,233 522,704 -46 332,532 293,900 135 Dauphin Deposit 17.6 763,134 601,848 26.8 167,597 169,305 136 European Americ 40.4 712,855 442,851 61 92,381 90,905 137 U.S. Bank of Wa 17.1 420,849 333,107 26.3 69,645 49,680 138 PNC Bank, Ohio, -0.3 583,727 594,827 -1.9 100,420 103,659 139 Centura Bank, R 8 1,000,618 944,816 5.9 157,769 136,059 140 Bank One,Milwau 4.2 233,982 168,650 38.7 148,653 113,195 141 World Financial 24.3 - 1,363,810 142 Riggs National 9.8 1,160,931 1,005,136 15.5 122,730 149,802 143 Trust Company B 16.6 501,723 407,809 23 94,612 97,899 144 Barnett Bk of P 8.2 888,475 751,693 18.2 36,024 35,209 145 Michigan Nation -24.4 474,571 1,160,629 -59.1 234,947 211,542 146 Valley National 13.2 594,421 541,107 9.9 94,781 107,420 147 Integra Bank/No 8 561,028 530,965 5.7 113,516 105,377 148 Key Bank of Ore 42.3 709,452 397,331 78.6 37,989 39,702 149 Firstar Bank Mi -0.4 505,556 560,263 -9.8 102,061 78,166 150 First National 16.9 737,580 536,129 37.6 342,492 358,550 151 CoreStates New -31 734,944 1,033,881 -28.9 207,644 300,984 152 Southern Nat'l 749 858,581 81,862 948.8 143,327 23,376 153 FirstBank Puerto Rico, 325,898 7,032 - 154 PNC Bank Kentuc 0.8 608,906 658,841 -7.6 117,152 112,782 155 Old Kent Bank & 17.3 663,736 616,923 7.6 67,452 51,012 156 Sun Bank NA, Or 2.9 582,562 478,981 21.6 106,405 105,276 157 Norwest Bank Wy 745.8 963,343 46,687 1963.4 435 820 158 Fleet National 17 829,770 514,188 61.4 198,901 229,235 159 First National 4.2 45,116 50,899 -11.4 27,276 25,934 160 Fleet Bank NA, -14.1 541,529 491,141 10.3 467,490 544,869 161 Provident Bank, 16 491,171 460,629 6.6 129,679 111,460 162 Dillard Nationa 0.5- - - - 163 First National 19.7 271,921 233,689 16.4 9,729 13,194 164 Wachovia Bank o 2.4 403,540 373,991 7.9 199,007 194,036 165 Signet Bank/Mar 54.8 39,079 18,451 111.8 199,359 163,138 166 Chase Manhattan -1.4 483,126 520,217 -7.1 265,927 268,520 167 Bank IV Kansas 2.7 657,079 685,165 -4.1 34,623 28,885 168 Bank One, West 30.8 438,007 400,708 9.3 71,664 38,839 169 Banco Santander 1.9 663,289 815,523 -18.7 257 786 170 United Carolina 9.1 499,629 495,211 0.9 105,702 101,993 171 Key Bank Maine, 2.6 227,362 226,276 0.5 78,339 84,777 172 Trustmark Natio 1 483,345 547,579 -11.7 20,733 21,832 173 Central Carolin 15.4 543,954 493,943 10.1 156,089 97,290 174 Barnett Bank of 6.6 540,590 522,795 3.4 29,429 29,746 175 Bank One, Akron 16.1 97,442 86,801 12.3 182,859 168,280 176 National City B 2.1 435,531 429,700 1.4 125,303 107,156 177 Regions Bank of Louisia 849,639 - 36,852 - 178 Barnett Bank of 2.5 879,176 861,726 2 32,254 28,532 179 Sun Bank/Gulf C 16.7 1,007,615 854,196 18 18,262 17,304 180 First Fidelity 22.7 783,032 539,514 45.1 144,710 145,354 181 Society Nationa 21.2 509,612 434,373 17.3 142,276 119,173 182 Bank One, Cleve 2.1 205,644 166,800 23.3 138,373 136,615 183 Colonial Bank, -9.3 816,540 945,581 -13.6 38,648 31,906 184 Deposit Guarant 8 440,353 432,437 1.8 32,056 36,161 185 National City B 9.5 510,769 423,014 20.7 101,646 119,891 186 United States T 20.4 684,394 559,468 22.3 27,477 29,317 187 First National 52.1 531,741 268,887 97.8 46,405 40,338 188 West One Bank, 14.1 328,629 282,156 16.5 128,678 100,916 189 SouthTrust Bank 43 673,653 477,712 41 80,749 59,048 190 Barnett Bank of 3.5 411,268 438,800 -6.3 28,863 26,124 191 Provident Bank -3.3 666,909 748,393 -10.9 124,902 102,727 192 Magna Bank of I 12.1 660,379 535,843 23.2 40,810 36,206 193 Bank of Califor -1.1 506,449 516,014 -1.9 218,308 232,521 194 R.I. Hospital T -40.2 460,627 1,047,038 -56 294,114 355,188 195 Fleet Bank of M 12.1 556,485 330,451 68.4 214,412 234,618 196 Trustco Bank, N 10.7 681,933 603,901 12.9 207,313 202,018 197 Sun Bank/South 18.1 645,006 551,397 17 25,097 26,076 198 Huntington Nati 3.8 654,467 660,296 -0.9 44,244 34,660 199 First Interstat 35.2 499,332 356,954 39.9 24 - 200 U.S. Bank of Ca 30.2 466,197 424,412 9.8 86,178 57,991 part 3 of 3
Home Equity All Other Rank Loans Consumer Loans As % of Total Loans Dec-94 %Chg. 12/31/94 %Chg. 12/31/94 12/31/93 101 Mercantile Bank 48 687,211 23.2 52.95 38.72 102 First American 3.6 920,884 8.9 44.41 44.21 103 Summit Bank, N. 10.5 276,772 52.4 59.72 54.1 104 Bank South NA, 2.9 1,255,829 6.3 53.04 54.9 105 Fleet Bank of M -5.1 397,994 -30.4 34.39 36.04 106 Bank of America 9.5 316,007 6.7 72.88 75.65 107 PNC Mortgage Ba 93.13 88.77 108 Harris Trust & -2.2 1,280,929 27.3 30.5 27.83 109 Boatmen s Natio 10.7 812,623 42.8 39.51 36.58 110 United States N 7.7 1,331,000 4.5 22.79 27.83 111 Bank One, India 16.3 1,290,732 24.4 43.16 40.22 112 First Security 25.6 1,257,312 18.5 63.01 64.24 113 Northern Trust -1.2 239,096 35.5 30.74 31.01 114 NationsBank of 16.1 870,452 -18.2 26.22 22.65 115 Chemical Bank N -15.5 379,941 7.5 99.98 99.94 116 Bank One, Dayto 28.2 1,488,209 17.4 66.44 65.28 117 Barnett Bank of 11.2 632,963 14.3 62.76 61.2 118 Barnett Bk of P -0.7 420,832 1.7 65.16 64.27 119 First Deposit N 43 1,264,237 6.3 99.76 99.89 120 First Hawaiian 8.9 503,939 1.8 39.49 39.53 121 Barnett Bank of 11.3 1,109,129 3.1 69.04 70.51 122 Bank of the Wes -5 1,091,281 7.2 65.19 66.24 123 National City B 9.5 766,843 12.2 40.97 36.79 124 NBD Bank, Wheat 2.8 829,944 9.2 50.2 48.54 125 Liberty Nati l 13 1,277,205 10.3 54.32 55.66 126 Southern Nation 10.4 369,703 16.8 48.53 47.3 127 Beneficial Nat 1,600,558 73.5 100 100 128 Wilmington Trus 1 600,391 15.9 50.09 50.89 129 Colonial Nation 1,536,325 51 100 100 130 Premier Bank NA 10.9 1,008,502 23.2 57 53.86 131 Hibernia Nation 15.2 779,163 38.2 44.64 42.41 132 First Virginia -11.7 861,169 18.4 79.76 82.43 133 NationsBank of 27.2 301,696 -17.2 39.23 36.3 134 Signet Bank/Vir 13.1 818,171 -58.8 43.98 60.82 135 Dauphin Deposit -1 484,833 12.1 48.7 46.5 136 European Americ 1.6 610,241 28.7 51.4 50.58 137 U.S. Bank of Wa 40.2 896,527 11.8 27.46 26.74 138 PNC Bank, Ohio, -3.1 701,975 1.5 50.54 53.25 139 Centura Bank, R 16 217,149 12.6 46.62 49.27 140 Bank One,Milwau 31.3 988,631 -4.4 45.98 48.02 141 World Financial 24.3 100 100 142 Riggs National -18.1 66,247 -11.1 60.87 55.69 143 Trust Company B -3.4 750,329 15.6 20.43 20.5 144 Barnett Bk of P 2.3 420,764 -7.8 70.59 72.49 145 Michigan Nation 11.1 634,006 56.7 23.02 29.43 146 Valley National -11.8 642,470 21.7 60.87 61.99 147 Integra Bank/No 7.7 644,617 10.2 63.08 64.54 148 Key Bank of Ore -4.3 571,300 16.7 60.66 55.91 149 Firstar Bank Mi 30.6 703,973 3.8 35.03 36.34 150 First National -4.5 230,661 1.9 31.23 28.9 151 CoreStates New -31 354,793 -34.8 39.14 44.28 152 Southern Nat l 513.1 288,010 516.9 67.61 31.41 153 FirstBank Puerto Rico, 946,491 90.8 154 PNC Bank Kentuc 3.9 543,500 11.5 39.55 39.71 155 Old Kent Bank & 32.2 538,275 30.1 43.34 43.45 156 Sun Bank NA, Or 1.1 567,237 -11 35.06 36.07 157 Norwest Bank Wy -47 292,337 189.4 94.49 66.63 158 Fleet National -13.2 219,736 -32 21.25 18.97 159 First National 5.2 1,172,123 4.9 64.03 67.51 160 Fleet Bank NA, -14.2 231,249 -43.3 39.9 43.04 161 Provident Bank, 16.3 598,633 25 31.2 34.1 162 Dillard National Bank, 1,190,687 0.5 100 100 163 First National -26.3 904,253 21.5 58.15 60.19 164 Wachovia Bank o 2.6 570,832 -1.3 40.34 41.01 165 Signet Bank/Mar 22.2 925,335 62.3 47.94 37.2 166 Chase Manhattan -1 404,749 6 77.66 82.87 167 Bank IV Kansas 19.9 455,978 13 45.55 50.2 168 Bank One, West 84.5 636,634 45.7 69.2 62.35 169 Banco Santander -67.3 478,029 57.1 49.54 46.84 170 United Carolina 3.6 529,754 19.4 51.32 50.87 171 Key Bank Maine, -7.6 828,872 4.3 55.16 57.43 172 Trustmark Natio -5 606,444 14.3 47.31 49.29 173 Central Carolin 60.4 410,427 10.6 49.17 50.78 174 Barnett Bank of -1.1 539,376 10.5 52.4 53.46 175 Bank One, Akron 8.7 824,521 18.3 56.3 54.68 176 National City B 16.9 530,928 -0.3 53.52 53.73 177 Regions Bank of Louisia 196,358 79.38 178 Barnett Bank of 13 168,261 2.9 74.02 73.51 179 Sun Bank/Gulf C 5.5 46,588 -1.2 80.83 75 180 First Fidelity -0.4 115,911 -30 55.03 49.16 181 Society Nationa 19.4 389,951 27.5 52.46 49.23 182 Bank One, Cleve 1.3 690,077 -2.8 57.93 60.59 183 Colonial Bank, 21.1 167,680 11.4 49.04 55.81 184 Deposit Guarant -11.4 539,878 15.2 42.41 44.97 185 National City B -15.2 390,577 4.7 54.9 53.44 186 United States T -6.3 285,312 19 69.07 65.18 187 First National 15 408,412 20.3 54.12 50.56 188 West One Bank, 27.5 512,253 9.8 34.78 32.94 189 SouthTrust Bank 36.8 214,607 52.4 43 49.42 190 Barnett Bank of 10.5 522,155 12.2 54.1 60.16 191 Provident Bank 21.6 161,759 20 72.4 75.76 192 Magna Bank of I 12.7 243,475 -10.1 49.32 47.67 193 Bank of Califor -6.1 216,674 6.3 16.47 16.4 194 R.I. Hospital T -17.2 175,923 14.9 49.87 57.96 195 Fleet Bank of M -8.6 153,006 -40.9 53.17 48.9 196 Trustco Bank, N 2.6 34,035 19.8 80.31 76.74 197 Sun Bank/South -3.8 248,213 24.1 50.88 46.92 198 Huntington Nati 27.7 198,494 17.1 76.38 77.44 199 First Interstat 390,107 29.5 23.48 21.7 200 U.S. Bank of Ca 48.6 328,012 69.4 70.51 67.76
Totals for the 5.2 343.6 16.6 45.97 44.45 === Data Source: Data are provided by Sheshunoff Information Services Inc., Austin Texas. Data for 1993 have been restated for subsequent bank acquisitions made on a pooling of interests basis. Total consumer loans are the sum of home mortgages, home equity loans, credit card loans, and other consumer loans. Home mortgages are loans secured by 1-to-4 family residential properties, including first and second mortgages. Home equity loans are revolving open-ended loans secured by 1-to-4 family residential properties and extended under lines of credit. All other consumer loans are loans to individuals for household, family, and other personal expenditures. Included in this category are credit card loans (bank credit card extentions of credit plus special prearranged overdraft plans), auto loans, student loans, home improvement loans, and all other installment credit loans as well as single payment loans. As a % of total loans is the ratio of total consumer loans to total loans and leases, net of unearned income. American Banker, 1995.
