+++ 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 12/31/93 201 First Interstate Bank of Nevada, NA, Las Vegas 869,320 771,508 202 Morgan Guaranty Trust Co., New York 862,584 1,018,428 203 Chase Manhattan Bank of Maryland, Baltimore 850,167 686,814 204 Commerce Bank, NA, Clayton, Mo. 849,825 743,823 205 Norwest Bank Nebraska, NA, Omaha 848,950 1,527,029 206 First Union National Bank, Greenville, S.C. 842,389 785,243 207 Prudential Bank & Trust Co., Atlanta 841,491 809,919 208 SouthTrust Bank of Alabama, NA, Birmingham 838,442 860,718 209 Third National Bank, Nashville, Tenn. 833,825 762,875 210 Bank of Mississippi, Tupelo 823,543 793,387 211 Integra Bank/South, Uniontown, Pa. 822,166 703,093 212 Boatmen s First National Bank, Kansas City, Mo 819,751 739,477 213 Northern Trust Bank of Florida, NA, Miami 811,400 627,250 214 Citizens Bank of Maryland, Laurel 810,615 729,413 215 Bank of America Nevada, Las Vegas 797,567 554,614 216 First Valley Bank, Bethlehem, Pa. 792,617 783,918 217 Bank One, Chicago, NA, Evanston, Ill. 781,833 667,818 218 CoreStates Bank of Delaware NA, Wilmington 779,424 593,067 219 JC Penney National Bank, Harrington, Del. 769,435 665,845 220 Zions First National Bank, Salt Lake City 761,206 1,031,033 221 Barnett Bank of Volusia County, De Land, Fla. 757,979 702,483 222 Fifth Third Bank of Northwestern Ohio, NA, Toledo 745,551 727,130 223 Comerica Bank-Texas, Dallas 743,001 755,567 224 Caliber Bank, Phoenix 738,046 841,071 225 Bank of New York, NA, Rutherford, N.J. 735,444 854,495 226 Sun Bank of Tampa Bay, Tampa, Fla. 725,769 610,611 227 M&I Marshall & Ilsley Bank, Milwaukee 722,727 775,451 228 Sun Bank & Trust Co., Brooksville, Fla. 707,755 501,270 229 Norwest Bank Colorado, NA, Denver 705,655 616,086 230 Bank of America New Mexico, NA, Albuquerque 704,336 536,551 231 United National Bank, Parkersburg, W. Va. 702,046 622,370 232 Norwest Bank Arizona, NA, Scottsdale 695,829 651,143 233 PNC Bank, Wilmington, Del. 694,659 735,809 234 One Valley Bank NA, Charleston, W. Va. 676,920 592,105 235 Onbank & Trust Co., Syracuse, N.Y. 674,954 677,994 236 LaSalle Northwest National Bank, Chicago 673,219 667,093 237 Fifth Third Bank of Kentucky, Louisville 672,584 160,010 238 Huntington National Bank of W.Va., Morgantown 669,011 640,615 239 First-Citizens Bank & Trust Co., Columbia, S.C 662,815 599,498 240 Sunburst Bank, Grenada, Miss. 657,754 631,922 241 North Fork Bank, Mattituck, N.Y. 646,139 392,874 242 Massachusetts Co. Inc, Boston 642,755 564,930 243 First Bank Montana, NA, Billings 633,964 603,075 244 Boatmen s Bank of So. Missouri, Springfield 631,155 510,213 245 Barnett Bank of Pasco County, Port Richey, Fla 629,974 574,157 246 PNC National Bank, Wilmington, Del. 629,045 633,272 247 Bank of Oklahoma, NA, Tulsa 611,402 581,825 248 Sumitomo Bank of California, San Francisco 609,975 595,444 249 Norwest Bank Indiana, NA, Fort Wayne 607,705 612,656 250 Sun Bank/Southwest Florida, Fort Myers 594,227 518,224 251 Bank One, Lafayette, NA, Ind. 584,060 543,911 252 Fulton Bank, Lancaster, Pa. 577,772 474,865 253 First Deposit Nat l Credit Card Bank, Concord, NH 575,282 432,322 254 First Union Nat l Bank of Tennessee, Nashville 574,792 492,915 255 First Security Bank of N. M., NA, Albuquerque 573,973 349,747 256 Old Kent Bank, NA, Elmhurst, Ill. 570,173 454,146 257 Bank One, Denver, NA 569,905 525,009 258 First of America Bank Indiana, Indianapolis 565,395 472,390 259 Jefferson National Bank, Charlottesville, Va. 559,743 493,993 260 Frost National Bank, San Antonio, Tex. 557,863 500,366 261 First Bank South Dakota NA, Sioux Falls 555,813 459,093 262 Boatmen s Bank of Tennessee, Memphis 553,209 414,230 263 Crestar Bank Maryland, Bethesda 543,172 204,422 264 Compass Bank, Houston 543,100 384,152 265 Sun Bank of Volusia County, Daytona Beach, Fla 542,695 475,413 266 AmSouth Bank of Tennessee, Nashville 541,449 479,995 267 Union Planters National Bank, Memphis, Tenn. 539,983 722,110 268 Bank One,Youngstown, NA, Ohio 539,719 536,567 269 National Bank of Commerce, Memphis, Tenn. 539,174 555,983 270 National City Bank-Northwest, Toledo, Ohio 537,534 528,732 271 Sun Bank Miami NA 535,901 402,264 272 Chittenden Trust Co, Burlington, Vt. 529,756 512,082 273 Society Bank-Michigan, Ann Arbor 526,290 446,855 274 American National Bank & Trust Co., Chicago 517,861 525,653 275 Delaware Trust Co, Wilmington 517,586 514,660 276 M&I Madison Bank, Wis. 515,769 465,344 277 Bank IV Oklahoma NA, Tulsa 513,294 354,713 278 Boatmen s Credit Card Bank, Albuquerque, N.M. 509,144 372,861 279 Firstier Bank NA, Omaha, Neb. 503,294 411,300 280 First Omni Bank NA, Millsboro, Del. 501,572 532,097 281 S&T Bank, Indiana, Pa. 493,675 449,321 282 Barnett Bank of Polk County, Lakeland, Fla. 493,299 533,006 283 Barnett Bank of Manatee County NA, Bradenton, 486,313 445,127 284 First of America Bank-West Michigan, Grand Rapids 484,830 419,577 285 Bank One, Lexington, NA, Ky. 483,021 448,986 286 Barnett Bank Sun Coast NA, Brooksville, Fla. 478,624 470,953 287 West One Bank Washington, Seattle 478,181 426,176 288 NBD/Skokie Bank, NA, Ill. 477,203 460,772 289 Norwest Bank Wisconsin NA, Milwaukee 477,090 428,294 290 Cole Taylor Bank, Chicago 473,565 396,100 291 Bank One, Cincinnati, NA 468,814 482,122 292 NBD Bank, Columbus, Ohio 468,263 429,094 293 First Interstate Bank of Idaho NA, Boise 467,738 397,479 294 Bank One Merrillville NA, Gary, Ind. 466,288 360,893 295 Barnett Bank of Naples, Fla. 464,561 453,203 296 National Bank of Alaska, Anchorage 462,235 505,777 297 Barnett Bank of Lee County NA, Fort Myers, Fla 461,328 456,234 298 Bank One Utah NA, Salt Lake City 459,857 355,387 299 Key Bank of Idaho, Boise 458,696 394,790 300 Republic Bank & Trust Co., Louisville, Ky. 455,674 159,530

Totals for the Top 300 (in $ billion) 753.5 658.2

Totals for all banks (in $ billion) 1,057.70 935.7 part 2 of 3 Rank 1-4 Family Mortgage Loans Home Equity Loans Dec-94 % Chg. 12/31/94 12/31/93 %Chg. 12/31/94 201 First Interstat 12.7 399,024 327,792 21.7 73,859 202 Morgan Guaranty -15.3 5,779 10,534 -45.1 - 203 Chase Manhattan 23.8 156,019 193,916 -19.5 154,999 204 Commerce Bank, 14.3 269,176 270,072 -0.3 87,958 205 Norwest Bank Ne -44.4 195,167 994,736 -80.4 4,733 206 First Union Nat 7.3 646,474 584,101 10.7 71,119 207 Prudential Bank 3.9 13,810 7,742 78.4 453,510 208 SouthTrust Bank -2.6 140,444 298,020 -52.9 76,815 209 Third National 9.3 315,555 271,933 16 52,813 210 Bank of Mississ 3.8 345,311 392,288 -12 17,447 211 Integra Bank/So 16.9 373,303 335,062 11.4 57,034 212 Boatmen s First 10.9 194,011 230,641 -15.9 74,047 213 Northern Trust 29.4 707,569 543,736 30.1 50,210 214 Citizens Bank o 11.1 80,684 34,785 132 105,005 215 Bank of America 43.8 532,300 220,839 141 108,274 216 First Valley Ba 1.1 421,277 352,727 19.4 163,182 217 Bank One, Chica 17.1 328,478 192,182 70.9 155,915 218 CoreStates Bank 31.4 38,631 -100 - 219 JC Penney Natio 15.6 41,932 41,121 2 - 220 Zions First Nat -26.2 398,719 507,972 -21.5 30,606 221 Barnett Bank of 7.9 513,215 508,672 0.9 16,748 222 Fifth Third Ban 2.5 211,576 226,080 -6.4 51,844 223 Comerica Bank-T -1.7 163,801 162,252 1 - 224 Caliber Bank, P -12.2 548,879 537,063 2.2 13,432 225 Bank of New Yor -13.9 558,404 649,937 -14.1 107,151 226 Sun Bank of Tam 18.9 352,731 289,271 21.9 16,430 227 M&I Marshall & -6.8 349,148 353,672 -1.3 50,681 228 Sun Bank & Trus 41.2 587,881 411,066 43 16,692 229 Norwest Bank Co 14.5 373,586 306,772 21.8 42,800 230 Bank of America 31.3 557,321 517,364 7.7 19,650 231 United National 12.8 459,726 393,350 16.9 28,614 232 Norwest Bank Ar 6.9 301,446 403,499 -25.3 130,041 233 PNC Bank, Wilmi -5.6 211,862 295,213 -28.2 68,572 234 One Valley Bank 14.3 364,165 350,816 3.8 52,913 235 Onbank & Trust -0.4 487,511 464,010 5.1 95,280 236 LaSalle Northwe 0.9 90,480 81,591 10.9 43 237 Fifth Third Ban 320.3 468,550 96,344 386.3 60,774 238 Huntington Nati 4.4 300,769 323,496 -7 55,201 239 First-Citizens 10.6 304,489 279,116 9.1 84,508 240 Sunburst Bank, 4.1 372,146 401,820 -7.4 34,182 241 North Fork Bank 64.5 577,612 318,952 81.1 17,236 242 Massachusetts C 13.8 520,398 414,745 25.5 121,657 243 First Bank Mont 5.1 157,984 126,834 24.6 220,652 244 Boatmen s Bank 23.7 440,376 353,243 24.7 20,280 245 Barnett Bank of 9.7 422,761 360,322 17.3 6,906 246 PNC National Ba -0.7 3,014 2,216 36 - 247 Bank of Oklahom 5.1 374,495 409,238 -8.5 25,095 248 Sumitomo Bank o 2.4 523,565 518,321 1 23,536 249 Norwest Bank In -0.8 377,317 380,073 -0.7 40,553 250 Sun Bank/Southw 14.7 545,199 470,593 15.9 24,023 251 Bank One, Lafay 7.4 41,347 28,200 46.6 34,337 252 Fulton Bank, La 21.7 340,694 273,219 24.7 42,319 253 First Deposit N 33.1 - 254 First Union Nat 16.6 261,300 226,508 15.4 41,390 255 First Security 64.1 104,841 77,963 34.5 41,705 256 Old Kent Bank, 25.5 200,103 235,401 -15 81,189 257 Bank One, Denve 8.6 96,431 66,218 45.6 48,741 258 First of Americ 19.7 317,683 310,632 2.3 27,189 259 Jefferson Natio 13.3 296,711 269,460 10.1 51,693 260 Frost National 11.5 232,598 240,093 -3.1 - 261 First Bank Sout 21.1 59,907 53,701 11.6 77,916 262 Boatmen s Bank 33.6 23,268 23,944 -2.8 13,627 263 Crestar Bank Ma 165.7 314,520 77,951 303.5 18,695 264 Compass Bank, H 41.4 231,169 189,507 22 - 265 Sun Bank of Vol 14.2 398,056 357,251 11.4 22,793 266 AmSouth Bank of 12.8 464,919 427,881 8.7 30,781 267 Union Planters -25.2 176,682 435,158 -59.4 26,573 268 Bank One,Youngs 0.6 112,528 115,154 -2.3 63,570 269 National Bank o -3 177,961 166,211 7.1 61,443 270 National City B 1.7 206,047 187,930 9.6 50,143 271 Sun Bank Miami 33.2 288,700 201,742 43.1 27,241 272 Chittenden Trus 3.5 319,566 321,837 -0.7 70,777 273 Society Bank-Mi 17.8 223,213 197,287 13.1 39,573 274 American Nation -1.5 236,662 267,764 -11.6 97,518 275 Delaware Trust 0.6 210,101 192,738 9 113,913 276 M&I Madison Ban 10.8 327,238 285,653 14.6 38,514 277 Bank IV Oklahom 44.7 278,279 182,887 52.2 10,034 278 Boatmen s Credi 36.6 - 279 Firstier Bank N 22.4 148,214 146,346 1.3 23,200 280 First Omni Bank -5.7 1,896 1,722 10.1 738 281 S&T Bank, India 9.9 312,139 283,527 10.1 30,751 282 Barnett Bank of -7.4 263,022 325,707 -19.2 21,745 283 Barnett Bank of 9.3 349,679 312,502 11.9 15,536 284 First of Americ 15.6 274,810 231,726 18.6 25,624 285 Bank One, Lexin 7.6 87,859 87,037 0.9 74,927 286 Barnett Bank Su 1.6 387,604 386,979 0.2 16,814 287 West One Bank W 12.2 267,982 264,102 1.5 55,499 288 NBD/Skokie Bank 3.6 34,686 32,471 6.8 11,691 289 Norwest Bank Wi 11.4 301,309 274,662 9.7 12,176 290 Cole Taylor Ban 19.6 274,455 211,253 29.9 54,749 291 Bank One, Cinci -2.8 87,929 69,533 26.5 152,167 292 NBD Bank, Colum 9.1 104,041 58,741 77.1 2,929 293 First Interstat 17.7 143,334 108,386 32.2 16,773 294 Bank One Merril 29.2 54,510 32,679 66.8 45,953 295 Barnett Bank of 2.5 397,546 392,793 1.2 20,887 296 National Bank o -8.6 154,441 263,543 -41.4 34,598 297 Barnett Bank of 1.1 276,458 279,658 -1.1 27,597 298 Bank One Utah N 29.4 165,192 108,422 52.4 149,547 299 Key Bank of Ida 16.2 101,475 75,451 34.5 17,482 300 Republic Bank & 185.6 345,094 137,808 150.4 42,309

Totals for the 14.5 322.2 285.6 12.8 58.1

Totals for all 13 493.1 443.1 11.3 75.8 part 3 of 3 Rank Home Equity All Other

Loans Consumer Loans As % of Total Loans Dec-94 12/31/93 %Chg. 12/31/94 %Chg. 12/31/94 12/31/93 201 First Interstat 73,931 -0.1 396,437 7.2 55.44 52.38 202 Morgan Guaranty 856,805 -15 2.58 3.04 203 Chase Manhattan 165,147 -6.1 539,149 64.5 92.79 89.2 204 Commerce Bank, 93,329 -5.8 492,691 29.5 53.34 52.52 205 Norwest Bank Ne 3,544 33.5 649,050 22.8 58.26 72.93 206 First Union Nat 72,013 -1.2 124,796 -3.4 48.9 44.58 207 Prudential Bank 465,155 -2.5 374,171 11 88.56 91.31 208 SouthTrust Bank 75,321 2 621,183 27.5 22.17 26.12 209 Third National 52,946 -0.3 465,457 6.3 38.72 38.48 210 Bank of Mississ 15,290 14.1 460,785 19.4 55.15 57.79 211 Integra Bank/So 46,242 23.3 391,829 21.8 77.19 74.45 212 Boatmen s First 65,488 13.1 551,693 24.4 30.11 27.41 213 Northern Trust 41,387 21.3 53,621 27.3 65.17 57.02 214 Citizens Bank o 93,774 12 624,926 4 47.87 46.8 215 Bank of America 130,078 -16.8 156,993 -22.9 39.14 32.47 216 First Valley Ba 231,954 -29.6 208,158 4.5 42.19 44.09 217 Bank One, Chica 138,967 12.2 297,440 -11.7 53.24 48.7 218 CoreStates Bank 779,424 40.6 99.36 100 219 JC Penney Natio 727,503 16.5 99.81 99.77 220 Zions First Nat 154,119 -80.1 331,881 -10 41.51 50.57 221 Barnett Bank of 15,283 9.6 228,016 27.7 75.18 68.69 222 Fifth Third Ban 46,783 10.8 482,131 6.1 56.49 58.34 223 Comerica Bank-T 579,200 -2.4 37.61 40.98 224 Caliber Bank, P 13,984 -3.9 175,735 -39.4 81 89.8 225 Bank of New Yor 113,302 -5.4 69,889 -23.4 38.89 42.57 226 Sun Bank of Tam 16,410 0.1 356,608 16.9 57.98 57.18 227 M&I Marshall & 58,217 -12.9 322,898 -11.2 30.35 33.42 228 Sun Bank & Trus 15,355 8.7 103,182 37.9 80.26 72.35 229 Norwest Bank Co 41,797 2.4 289,269 8.1 45.91 44.11 230 Bank of America 15,589 26.1 127,365 3439.9 96.04 99.8 231 United National 20,244 41.3 213,706 2.4 59.12 57.95 232 Norwest Bank Ar 158,327 -17.9 264,342 196 63.42 63.59 233 PNC Bank, Wilmi 69,840 -1.8 414,225 11.7 51.11 55.51 234 One Valley Bank 49,289 7.4 259,842 35.3 64.76 63.2 235 Onbank & Trust 102,904 -7.4 92,163 -17 63.91 67.87 236 LaSalle Northwe 25,813 -99.8 582,696 4.1 56.67 60.82 237 Fifth Third Ban 4,242 1332.7 143,260 141.1 69.5 61.73 238 Huntington Nati 43,090 28.1 313,041 14.2 52.74 52.92 239 First-Citizens 66,508 27.1 273,818 7.9 70.43 68.06 240 Sunburst Bank, 25,373 34.7 251,426 22.8 45.86 46.46 241 North Fork Bank 22,142 -22.2 51,291 -0.9 35.78 38.5 242 Massachusetts C 147,023 -17.3 700 -77.9 99.36 99.73 243 First Bank Mont 181,935 21.3 255,328 -13.2 68.1 70.92 244 Boatmen s Bank 15,881 27.7 170,499 20.8 55.1 52.66 245 Barnett Bank of 6,032 14.5 200,307 -3.6 73.56 73.36 246 PNC National Ba 79,673 -100 626,031 13.5 98.71 86.56 247 Bank of Oklahom 23,758 5.6 211,812 42.3 34.01 35.56 248 Sumitomo Bank o 21,558 9.2 62,874 13.2 14.59 13.76 249 Norwest Bank In 46,562 -12.9 189,835 2.1 59.28 55.09 250 Sun Bank/Southw 23,983 0.2 25,005 5.7 76.37 75.19 251 Bank One, Lafay 30,554 12.4 508,376 4.8 82.76 82.23 252 Fulton Bank, La 39,980 5.9 194,759 20.5 52.4 50.98 253 First Deposit N 575,282 33.1 100.06 100.07 254 First Union Nat 42,801 -3.3 272,102 21.7 52.87 45.81 255 First Security 30,920 34.9 427,427 77.5 64.76 62.79 256 Old Kent Bank, 65,976 23.1 288,881 89.1 62.22 55.99 257 Bank One, Denve 22,137 120.2 424,733 -2.7 60.52 63.46 258 First of Americ 23,970 13.4 220,523 60 62.57 59.97 259 Jefferson Natio 48,523 6.5 211,339 20.1 50.7 47.98 260 Frost National 325,265 25 39.37 42.43 261 First Bank Sout 65,207 19.5 417,990 22.9 46.75 50.15 262 Boatmen s Bank 15,063 -9.5 516,314 37.6 73.37 67.74 263 Crestar Bank Ma 18,081 3.4 209,957 93.7 85.44 83.54 264 Compass Bank, H 311,931 60.3 58.28 54.43 265 Sun Bank of Vol 21,573 5.7 121,846 26.1 72.5 69.77 266 AmSouth Bank of 32,150 -4.3 45,749 129.2 71.79 76.38 267 Union Planters 73,965 -64.1 336,728 58.1 49.36 50.56 268 Bank One,Youngs 45,696 39.1 363,621 -3.2 67.7 66.82 269 National Bank o 81,518 -24.6 299,770 -2.8 46.03 48.76 270 National City B 47,746 5 281,344 -4 48.62 51.05 271 Sun Bank Miami 25,339 7.5 219,960 25.6 37.12 32.39 272 Chittenden Trus 69,849 1.3 139,413 15.8 57.31 57.08 273 Society Bank-Mi 32,351 22.3 263,504 21.3 59.78 59.35 274 American Nation 102,660 -5 183,681 18.3 10.85 13.77 275 Delaware Trust 114,597 -0.6 193,572 -6.6 53.23 54.09 276 M&I Madison Ban 37,319 3.2 150,017 5.4 42.18 40.25 277 Bank IV Oklahom 9,676 3.7 224,981 38.7 34.55 31.4 278 Boatmen s Credi 509,144 36.6 96.62 100 279 Firstier Bank N 17,582 32 331,880 34.2 47.15 43.95 280 First Omni Bank 869 -15.1 498,938 -5.8 99.88 99.96 281 S&T Bank, India 29,111 5.6 150,785 10.3 53.4 56.4 282 Barnett Bank of 21,047 3.3 208,532 12 73.23 72.77 283 Barnett Bank of 12,836 21 121,098 1.1 66.7 69.03 284 First of Americ 24,590 4.2 184,396 12.9 51.98 53.96 285 Bank One, Lexin 71,000 5.5 320,235 10.1 45.23 44.89 286 Barnett Bank Su 16,053 4.7 74,206 9.3 83.73 81.75 287 West One Bank W 41,942 32.3 154,700 28.8 31.2 31.99 288 NBD/Skokie Bank 10,646 9.8 430,826 3.2 99.75 99.96 289 Norwest Bank Wi 13,851 -12.1 163,605 17 57.98 57.09 290 Cole Taylor Ban 46,553 17.6 144,361 4.4 41.91 40.16 291 Bank One, Cinci 133,316 14.1 228,718 -18.1 59.12 67.32 292 NBD Bank, Colum 1,411 107.6 361,293 -2.1 76.94 79.45 293 First Interstat 17,040 -1.6 307,631 13.1 63.02 61.66 294 Bank One Merril 36,902 24.5 365,825 25.6 77.36 71.17 295 Barnett Bank of 19,306 8.2 46,128 12.2 72.35 71.11 296 National Bank o 36,982 -6.4 273,196 33.1 37.7 39.96 297 Barnett Bank of 25,531 8.1 157,273 4.1 62.43 63.63 298 Bank One Utah N 108,686 37.6 145,118 4.9 59.85 55.41 299 Key Bank of Ida 27,259 -35.9 339,739 16.3 42.34 41.9 300 Republic Bank & 11,403 271 68,271 561.6 79.37 89.72

Totals for the 55.6 4.5 373.4 16.5 45.49 44.03

Totals for all 72.7 4.3 488.7 16.4 44.82 43.5 === 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.

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