+++ As of Dec. 31, 1997, compared with Dec. 31, 1996 (dollar amounts in thousands)

part 1 of 3

Home Equity

Rank lines

Dec-97 12/31/97

1 BankAmerica Corp., San Francisco $7,753,051

2 Banc One Corp., Columbus, Ohio 5,689,622

3 NationsBank Corp., Charlotte, N.C. 5,649,236

4 First Union Corp., Charlotte, N.C. (r) 5,391,712

5 Wells Fargo & Co., San Francisco 4,628,976

6 Fleet Financial Group, Boston 3,581,983

7 KeyCorp, Cleveland 3,215,780

8 Chase Manhattan Corp., New York 2,562,447

9 U.S. Bancorp, Minneapolis (r) 2,384,540

10 National City Corp., Cleveland 2,050,054

11 PNC Bank Corp., Pittsburgh 1,901,614

12 First Chicago NBD Corp. 1,635,394

13 BankBoston Corp., Boston 1,634,368

14 Wachovia Corp., Winston-Salem, N.C. (r) 1,631,713

15 BB&T Corp., Winston-Salem, N.C. (r) 1,527,600

16 Citicorp, New York 1,362,248

17 Huntington Bancshares, Columbus, Ohio 1,273,053

18 CoreStates Financial Corp., Philadelphi 1,051,576

19 Summit Bancorp, Princeton, N.J. 924,705

20 AmSouth BanCorp., Birmingham, Ala. 870,820

21 HSBC Americas Inc., Buffalo (A) 864,097

22 Bank of Montreal, Canada (B) 848,513

23 Bank of Tokyo-Mitsubishi, Japan (C) 837,124

24 Barnett Banks, Jacksonville, Fla. 824,519

25 Suntrust Banks, Atlanta 802,317

26 SouthTrust Corp., Birmingham, Ala. 791,065

27 Royal Bank of Scotland (F) 740,773

28 Bank of New York Co. 726,051

29 Norwest Corp., Minneapolis 706,188

30 Firstar Corp., Milwaukee 665,634

31 Comerica, Detroit 658,480

32 First Empire State Corp., Buffalo 657,004

33 Allied Irish Bank, Rep. of Ireland (G) 620,383

34 First Tennessee National Corp., Memphis 619,824

35 Marshall & Ilsley Corp., Milwaukee 603,326

36 First Citizens Bancshares, Raleigh, N.C 602,585

37 Mercantile Bancorp, St. Louis (r) 508,303

38 Old Kent Financial Corp., Grand Rapids, 504,852

39 Fifth Third Bancorp, Cincinnati 484,570

40 ABN-Amro Chicago Corp. (D) 483,790

41 First Security Corp., Salt Lake City 482,608

42 Regions Financial Corp., Birmingham, Al 452,362

43 Mellon Bank Corp., Pittsburgh 440,350

44 TCF Financial Corp., Minneapolis (c) 438,326

45 First of America Bank Corp., Kalamazoo 421,820

46 First Hawaiian Inc., Honolulu 409,936

47 Centura Banks, Rocky Mount, N.C. 390,799

48 National Australia Bank (E) 362,485

49 Northern Trust Corp., Chicago 348,365

50 CCB Financial Corp., Durham, N.C. 326,203

Top 50 commercial banking companies $74,343,144

All commercial banks 98,087,862

part 2 of 2

Rank

Home equity loans % Nonperforming

Dec-97 Line % Chg.12/31/96 12/31/96

1 BankAmerica Co$7,006,699 10.65 0.413 0.376

2 Banc One Corp. 4,840,723 17.54 0.469 0.41

3 NationsBank Co 4,777,646 18.24 0.48 0.44

4 First Union Co 4,985,408 8.15 0.604 0.637

5 Wells Fargo & 4,670,419 -0.89 0.757 0.671

6 Fleet Financia 3,496,289 2.45 0.754 0.801

7 KeyCorp, Cleve 2,878,807 11.71 0.165 0.295

8 Chase Manhatta 2,231,612 14.82 0.528 0.558

9 U.S. Bancorp, 1,779,625 33.99 0.126 0.103

10 National City 1,791,986 14.4 0.181 0.079

11 PNC Bank Corp. 2,009,051 -5.35 0.379 0.49

12 First Chicago 1,627,882 0.46 0.514 0.521

13 BankBoston Cor 1,564,117 4.49 0.344 0.444

14 Wachovia Corp. 1,351,525 20.73 0.088 0.093

15 BB&T Corp., Wi 1,227,109 24.49 0.218 0.13

16 Citicorp, New 1,455,791 -6.43 1.028 1.412

17 Huntington Ban 1,058,374 20.28 0.262 0.3

18 CoreStates Fin 1,132,367 -7.13 0.114 0.257

19 Summit Bancorp 898,598 2.91 0.159 0.133

20 AmSouth BanCor 710,652 22.54 0.462 0.632

21 HSBC Americas 693,580 24.59 0.879 1.102

22 Bank of Montre 689,954 22.98 0.32 0.449

23 Bank of Tokyo- 957,709 -12.59 0.134 0.208

24 Barnett Banks, 620,099 32.97 0.149 0.142

25 Suntrust Banks 643,240 24.73 0.195 0.28

26 SouthTrust Cor 269,269 193.78 0.097 0.164

27 Royal Bank of 623,600 18.79 0.176 0.381

28 Bank of New Yo 708,138 2.53 0.84 1.526

29 Norwest Corp., 610,793 15.62 0.34 0.16

30 Firstar Corp., 558,590 19.16 0.212 0.431

31 Comerica, Detr 621,134 6.01 0.37 0.274

32 First Empire S 632,615 3.86 0.423 0.466

33 Allied Irish B 566,055 9.6 0.101 0.071

34 First Tennesse 441,635 40.35 0.675 0.838

35 Marshall & Ils 299,499 101.45 0.291 0.192

36 First Citizens 412,186 46.19 0.002 0.007

37 Mercantile Ban 399,154 27.35 0.223 0.086

38 Old Kent Finan 417,508 20.92 0.161 0.119

39 Fifth Third Ba 422,084 14.8 0.244 0.092

40 ABN-Amro Chica 460,600 5.03 0.737 0.84

41 First Security 471,109 2.44 0.108 0.066

42 Regions Financ 359,667 25.77 0.34 0.685

43 Mellon Bank Co 412,514 6.75 0.652 1.119

44 TCF Financial 285,095 53.75 0.191 0.21

45 First of Ameri 406,121 3.87 0.605 0.566

46 First Hawaiian 394,110 4.02 0.639 0.706

47 Centura Banks, 318,758 22.6 0.2 0.178

48 National Austr 324,366 11.75 0.274 0.305

49 Northern Trust 318,705 9.31 0.571 0.588

50 CCB Financial 295,441 10.41 0.065 0.039

Top 50 commerc $66,128,008 12.42 0.42 0.46

All commercial 85,598,135 14.59 0.44 0.48

part 3 of 3

Unused commitments Used % of

Rank on home equity Loans commitments

Dec-97 12/31/97 12/31/96 12/31/97 12/31/96

1 BankAmeri$6,951,000 $6,856,447 47.27 49.46

2 Banc One 4,729,628 3,444,362 45.39 41.57

3 NationsBa 7,058,009 5,634,155 55.54 54.11

4 First Uni 6,872,524 6,315,796 56.04 55.89

5 Wells Far 5,472,457 5,444,382 54.18 53.83

6 Fleet Fin 3,620,365 3,587,182 50.27 50.64

7 KeyCorp, 3,978,339 3,198,066 55.3 52.63

8 Chase Man 1,754,616 1,451,087 40.64 39.4

9 U.S. Banc 3,134,086 2,019,448 56.79 53.16

10 National 1,909,830 1,768,741 48.23 49.67

11 PNC Bank 2,652,471 3,183,197 58.24 61.31

12 First Chi 1,707,771 1,706,310 51.08 51.18

13 BankBosto 2,041,361 2,312,485 55.54 59.65

14 Wachovia 2,305,628 1,918,481 58.56 58.67

15 BB&T Corp 1,797,519 1,308,299 54.06 51.6

16 Citicorp, 3,752,179 3,914,482 73.36 72.89

17 Huntingto 1,416,366 1,146,191 52.66 51.99

18 CoreState 972,823 932,999 48.05 45.17

19 Summit Ba 1,145,587 983,338 55.33 52.25

20 AmSouth B 614,181 542,181 41.36 43.28

21 HSBC Amer 727,112 456,243 45.7 39.68

22 Bank of M 819,017 634,455 49.12 47.9

23 Bank of T 1,242,375 1,147,798 59.74 54.51

24 Barnett B 1,469,930 907,935 64.06 59.42

25 Suntrust 971,966 982,415 54.78 60.43

26 SouthTrus 714,960 473,372 47.47 63.74

27 Royal Ban 818,977 672,245 52.51 51.88

28 Bank of N 545,367 509,234 42.89 41.83

29 Norwest C 1,086,106 816,343 60.6 57.2

30 Firstar C 678,152 562,693 50.47 50.18

31 Comerica, 923,533 818,371 58.38 56.85

32 First Emp 577,404 552,388 46.78 46.61

33 Allied Ir 929,553 824,572 59.97 59.29

34 First Ten 413,409 319,507 40.01 41.98

35 Marshall 565,829 331,538 48.4 52.54

36 First Cit 704,665 454,239 53.9 52.43

37 Mercantil 623,838 468,731 55.1 54.01

38 Old Kent 520,855 441,533 50.78 51.4

39 Fifth Thi 510,171 400,451 51.29 48.68

40 ABN-Amro 362,255 399,910 42.82 46.47

41 First Sec 499,199 462,858 50.84 49.56

42 Regions F 494,293 411,947 52.21 53.39

43 Mellon Ba 626,937 654,644 58.74 61.34

44 TCF Finan 372,329 242,014 45.93 45.91

45 First of 634,268 553,662 60.06 57.69

46 First Haw 386,327 368,241 48.52 48.3

47 Centura B 477,062 248,022 54.97 43.76

48 National 348,629 306,392 49.03 48.58

49 Northern 385,607 346,104 52.54 52.06

50 CCB Finan 296,283 260,288 47.6 46.84

Top 50 co$83,613,148 $73,695,774 52.93 52.71

All comme105,183,298 91,063,319 51.75 51.55 Source: Sheshunoff Information Services, Austin, Tex. from its database of federal regulatory reports filed by commercial banks. Home equity loans have been consolidated for bank subsidiaries. (r) Data for 1996 has been adjusted for subsequent bank mergers. (c) Data has been restated for mergers and a banking charter change. Home equity loans are revolving, open-end loans secured by 1-4 family residential properties and extended under lines of credit. % Nonperforming equals the full outstanding balances, not just delinquent payments, of revolving open-end loans which are past due by 90 days or more and/or have been placed on nonaccrual status. Unused commitments on home equity loans reflects remaining portion of commitments to extend credit credit under revolving, open-end lines of credit secured by 1-4 residential properties. (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, and European American Bank, New York. (E) Bank holding company for Michigan National Corp., Farmington HIlls. (F) Bank holding company for Citizens Financial Group Inc., Providence, R.I. (G) Bank holding company for First Maryland Bancorp, Baltimore. American Banker 1998 ===

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