+++ Includes U.S. Government and privately issued securities held on Sept 30, 1997, compared with Sept. 30, 1996 (dollars in thousands)

part 1 of 4

+++

Rank Mortgage-Backed Securities

Dec-96 9/30/97 9/30/96

1 Chase Manhattan Bank NA, New York $19,186,000 $18,227,000

2 NationsBank NA, Charlotte (m) 14,352,965 13,772,644

3 Morgan Guaranty Trust Co., New York 14,276,417 10,972,665

4 Republic National Bank of New York 11,778,583 10,005,598

5 First Union National Bank, Charlotte (m 8,807,127 8,705,840

6 Bank of America NT&SA, San Francisco 6,376,000 5,173,216

7 Fleet National Bank, Springfield, Ma. 4,453,508 5,499,688

8 Mellon Bank NA, Pittsburgh 4,109,742 4,191,332

9 Texas Commerce Bank NA, Houston 3,183,608 3,051,963

10 Wells Fargo Bank NA, San Francisco 3,132,309 4,170,866

11 KeyBank NA, Cleveland (m) 3,105,346 3,308,015

12 First Bank, St. Paul, Minn. (m) 3,087,785 2,093,962

13 NationsBank of Texas NA, Dallas, Tx. (m 2,997,565 3,511,769

14 First Union National Bank, Avondale, Pa 2,738,664 1,387,402

15 European American Bank, New York* 2,254,213 1,808,549

16 Comerica Bank, Detroit, Mich. 2,254,152 2,543,310

17 AmSouth Bank, Birmingham, Ala. (m) 2,199,072 2,861,805

18 Crestar Bank, Richmond, Va. (m) 2,171,173 2,679,757

19 Norwest Bank Colorado NA, Denver 2,043,460 2,579,408

20 Norwest Bank Texas NA, Lubbock 1,889,472 1,225,710

21 Signet Bank Virginia, Richmond 1,881,474 1,997,194

22 BankBoston NA (m) 1,849,292 808,556

23 Wachovia Bk NA, Winston-Salem, N.C. (m) 1,790,089 2,057,364

24 International Bank of Commerce, Laredo, 1,763,826 1,107,133

25 SouthTrust Bank NA, Birmingham, Ala. (m 1,617,951 982,803

26 La Salle National Bank, Chicago * (m) 1,616,710 1,158,624

27 Amalgamated Bank of New York 1,599,932 1,589,275

28 Fifth Third Bank, Cincinnati, Ohio (m) 1,584,454 1,344,065

29 Branch Banking & Trust Co., Winston-Sal 1,472,102 1,449,020

30 Norwest Bank Arizona NA, Phoenix 1,376,946 1,462,169

31 Huntington National Bank, Columbus, Ohi 1,374,823 1,204,298

32 Bank of America Texas NA, Irving 1,309,574 1,525,712

33 First USA Bank, Wilmington, Del. 1,222,749 2,924,107

34 Commerce Bank NA, Cherry Hill, N.J. 1,217,344 888,426

35 National City Bank of Pennsylvania, Pit 1,215,680 1,431,595

36 Frost National Bank, San Antonio, Tx. 1,184,741 1,213,303

37 Fleet Bank of New York, Albany 1,154,683 1,556,740

38 Summit Bank, Hackensack, N.J. 1,114,610 891,442

39 North Fork Bank, Mattituck, N.Y. (m) 1,111,866 1,347,483

40 LaSalle Bank NA, Chicago* (m) 1,103,430 395,376

41 NBD Bank, Detroit 1,086,673 1,012,670

42 Hibernia National Bank, New Orleans 1,052,953 1,236,619

43 Safra National Bank, New York* 992,419 476,263

44 First National Bank of Maryland, Baltim 953,979 1,076,238

45 Barnett Bank NA, Jacksonville, Fla. 946,393 805,516

46 Bank of Hawaii, Honolulu 944,942 1,112,586

47 Central Fidelity National Bank, Richmon 896,877 1,182,356

48 Norwest Bank Iowa NA, Des Moines 882,843 997,029

49 Harris T&S Bank, Chicago* 869,886 791,213

50 Fifth Third Bank of North West Ohio NA, 862,966 734,998

Total for Top 50 Banks (in billions) $152.45 $144.53

Totals for all Banks (in billions) $269.51 $246.17

part 2 of 4

MBS Pass Throughf

Rank Market Value Held to Available

Rank as a % of Book Value maturity for sale

Dec-96 % Change 9/30/97 9/30/96 9/30/97 9/30/97

1 Chase Manh 5.26 100.03 97.64 $907,000 $18,279,000

2 NationsBan 4.21 100.95 100.33 0 14,352,965

3 Morgan Gua 30.11 99.96 99.52 0 14,276,417

4 Republic N 17.72 100.41 98.588,489,76 3,288,821

5 First Unio 1.16 101.37 102.38 772,868 8,034,259

6 Bank of Am 23.25 101.85 99.941,386,00 4,990,000

7 Fleet Nati -19.02 101.3 99.83 0 4,453,508

8 Mellon Ban -1.95 101.17 98.61,988,28 2,121,455

9 Texas Comm 4.31 100.8 99.09 485,582 2,698,026

10 Wells Farg -24.9 101.11 99.39 0 3,132,309

11 KeyBank NA -6.13 101.14 97.44 0 3,105,346

12 First Bank 47.46 100.92 99.41 0 3,087,785

13 NationsBan -14.64 100.41 99.02 0 2,997,565

14 First Unio*** 101.48 98.96 185,347 2,553,317

15 European A 24.64 100.36 99.45 67,027 2,187,186

16 Comerica B -11.37 99.91 98.01 0 2,254,152

17 AmSouth Ba -23.16 102.39 100.95 951,669 1,247,403

18 Crestar Ba -18.98 99.12 96.84 29,047 2,142,126

19 Norwest Ba -20.78 101.54 98.95 0 2,043,460

20 Norwest Ba 54.15 101.26 99.12 0 1,889,472

21 Signet Ban -5.79 102.22 100.07 0 1,881,474

22 BankBoston*** 101.27 99.25 169,247 1,680,045

23 Wachovia B -12.99 103.09 100.58 718,885 1,071,204

24 Internatio 59.31 101.35 100.09 0 1,763,826

25 SouthTrust 64.63 101.82 100.68 465,714 1,152,237

26 La Salle N 39.54 101.2 100.16 69,653 1,547,057

27 Amalgamate 0.67 100.63 98.81 898,171 701,761

28 Fifth Thir 17.89 100.98 99.14 0 1,584,454

29 Branch Ban 1.59 102.26 100.58 0 1,472,102

30 Norwest Ba -5.83 101.51 99.4 0 1,376,946

31 Huntington 14.16 99.88 98.75 0 1,374,823

32 Bank of Am -14.17 101.48 99.37 537,508 772,066

33 First USA *** 101.12 99.15 0 1,222,749

34 Commerce B 37.02 99.19 96.36 587,288 630,056

35 National C -15.08 100.27 98.53 0 1,215,680

36 Frost Nati -2.35 101.51 100.08 151,550 1,033,191

37 Fleet Bank -25.83 101.51 99.38 0 1,154,683

38 Summit Ban 25.03 101.2 99.89 664,701 449,909

39 North Fork -17.49 100.6 98.5 412,767 699,099

40 LaSalle Ba*** 101.3 99.67 9,023 1,094,407

41 NBD Bank, 7.31 100.41 98.99 0 1,086,673

42 Hibernia N -14.85 100.59 99.49 0 1,052,953

43 Safra Nati*** 100.93 99.24 446,849 545,570

44 First Nati -11.36 101.14 98.84 0 953,979

45 Barnett Ba 17.49 100.76 99.67 0 946,393

46 Bank of Ha -15.07 100.77 99.72 599,545 345,397

47 Central Fi -24.14 101.08 100.05 0 896,877

48 Norwest Ba -11.45 102.25 99.91 0 882,843

49 Harris T&S 9.94 99.95 97.08 0 869,886

50 Fifth Thir 17.41 100.83 98.39 0 862,966

Total for 5.48 101.02 99.27 $20.99 $131.46

Totals for 9.48 100.93 99.25 $49.33 $220.18

part 3 of 4

Rank Total MBS as a % of

Rank GNMA FNMA Other Securities

Dec-96 9/30/97 9/30/97 9/30/97 9/30/97

1 Chase Manh$8,118,000 $11,068,000 0 $40,589,000

2 NationsBan 240,677 14,112,288 0 29,683,645

3 Morgan Gua11,993,971 2,282,446 0 21,067,180

4 Republic N 9,457,882 2,236,935 83,766 21,835,322

5 First Unio 1,037,211 7,769,916 0 14,380,553

6 Bank of Am 1,982,000 4,386,000 8,000 13,983,000

7 Fleet Nati 214,784 4,238,724 0 5,553,794

8 Mellon Ban 3,612,438 497,304 0 5,388,351

9 Texas Comm 990,335 2,193,273 0 4,514,578

10 Wells Farg 92,937 3,038,883 489 10,083,784

11 KeyBank NA 1,914,355 1,190,991 0 8,368,609

12 First Bank 297,464 2,665,231 125,090 6,844,905

13 NationsBan 16,364 2,981,201 0 4,163,830

14 First Unio 834,961 1,903,703 0 3,962,204

15 European A 611,496 1,575,690 67,027 4,900,946

16 Comerica B 12,403 2,225,080 16,669 3,707,674

17 AmSouth Ba 233,059 1,966,013 0 4,480,457

18 Crestar Ba 86,298 2,084,875 0 3,870,770

19 Norwest Ba 92,237 1,951,223 0 2,149,906

20 Norwest Ba 798,053 1,090,242 1,177 2,198,156

21 Signet Ban 0 1,881,474 0 2,233,475

22 BankBoston 549,187 1,300,105 0 8,426,212

23 Wachovia B 856,914 933,175 0 6,934,187

24 Internatio 337,182 1,426,644 0 1,897,001

25 SouthTrust 382,065 1,235,886 0 5,739,552

26 La Salle N 745,839 801,340 69,531 4,425,643

27 Amalgamate 142,788 1,457,144 0 1,681,843

28 Fifth Thir 123,715 1,321,104 139,635 2,151,982

29 Branch Ban 0 1,472,102 0 5,244,419

30 Norwest Ba 321,486 1,055,460 0 1,645,224

31 Huntington 63,999 1,310,824 0 5,433,823

32 Bank of Am 620,167 689,407 0 1,440,700

33 First USA 1,158,012 64,737 0 1,238,746

34 Commerce B 212,221 1,005,123 0 1,416,843

35 National C 470,589 745,091 0 3,483,448

36 Frost Nati 668,682 516,059 0 1,416,194

37 Fleet Bank 209,653 945,030 0 1,847,880

38 Summit Ban 387,357 727,253 0 5,747,350

39 North Fork 325,940 785,244 682 2,634,327

40 LaSalle Ba 373,170 721,237 9,023 1,852,170

41 NBD Bank, 612,007 474,666 0 1,960,127

42 Hibernia N 562,692 490,261 0 1,836,233

43 Safra Nati 444,681 547,738 0 1,347,547

44 First Nati 135,792 818,187 0 2,005,768

45 Barnett Ba 5,551 823,049 117,793 4,077,600

46 Bank of Ha 174,952 769,990 0 3,360,754

47 Central Fi 386,058 510,819 0 2,719,239

48 Norwest Ba 7,316 875,527 0 1,080,576

49 Harris T&S 641,425 228,461 0 3,685,983

50 Fifth Thir 82,707 745,465 34,794 1,071,602

Total for $53.64 $98.14 0.674 $301.76

Totals for $83.84 $177.66 2.882 $835.52

part 4 of 4

Rank Total Securities

Dec-96 9/30/97 9/30/96

1 Chase Manh 47.27 44.12

2 NationsBan 48.35 44.89

3 Morgan Gua 67.77 50.67

4 Republic N 53.94 55.18

5 First Unio 61.24 66.09

6 Bank of Am 45.6 41.08

7 Fleet Nati 80.19 72.36

8 Mellon Ban 76.27 66.52

9 Texas Comm 70.52 72.82

10 Wells Farg 31.06 33.18

11 KeyBank NA 37.11 98.74

12 First Bank 45.11 32.28

13 NationsBan 71.99 68.5

14 First Unio 69.12 47.97

15 European A 46 39.31

16 Comerica B 60.8 67.15

17 AmSouth Ba 49.08 52.66

18 Crestar Ba 56.09 57.15

19 Norwest Ba 95.05 96.69

20 Norwest Ba 85.96 92.51

21 Signet Ban 84.24 79.26

22 BankBoston 21.95 9.92

23 Wachovia B 25.82 23.32

24 Internatio 92.98 96

25 SouthTrust 28.19 21.64

26 La Salle N 36.53 33.22

27 Amalgamate 95.13 93.14

28 Fifth Thir 73.63 59.59

29 Branch Ban 28.07 27.21

30 Norwest Ba 83.69 97.11

31 Huntington 25.3 20.95

32 Bank of Am 90.9 65.06

33 First USA 98.71 96.79

34 Commerce B 85.92 86.05

35 National C 34.9 38.51

36 Frost Nati 83.66 84.9

37 Fleet Bank 62.49 54.99

38 Summit Ban 19.39 17.71

39 North Fork 42.21 48.29

40 LaSalle Ba 59.57 50.36

41 NBD Bank, 55.44 49.06

42 Hibernia N 57.34 64.85

43 Safra Nati 73.65 58.38

44 First Nati 47.56 48.06

45 Barnett Ba 23.21 15.9

46 Bank of Ha 28.12 32.31

47 Central Fi 32.98 37.55

48 Norwest Ba 81.7 83.11

49 Harris T&S 23.6 25.21

50 Fifth Thir 80.53 73.86

Total for 50.52 50.93

Totals for 32.26 30.79

===

Source: Sheshunoff Information Services, Inc., Austin, Texas from its database of commercial banks. Sept. 1996 data has been restated by American Banker to reflect mergers and bank subsidiary "roll-ups" into the lead bank(s).Mortgage-Backed Securities are the book value (amortized cost) of bank's holdings of U.S. government and private certificates of participation in pools of residential mortgages, either held to maturity or available for sale. They are "pass-through" securities for which each investor receives a pro rata distribution of principal and interest made by homeowners.Government mortgage-backed securities are issued or granted by the Government National Mortgage Association (GNMA), the Federal National Mortgage Association (FNMA), and the Federal Home Loan Mortgage Corp (FHLMC). Private mortgaged-backed securities are issued by others (such as other depository institutions and insurance companies) that are not guaranteed by the U.S. government. Market value of MBS as % of Book Value is the market value of the mortgage-backed securities expressed as a percentage of book value, types held as assets by the bank. Mortgage pass throughs held to maturity and available for sale reflect the designation mandated as per FASB 115 in accordance with generally accepted accounting principles. (m) - 1996 data has been restated by American Banker to reflect mergers and bank subsidiary "roll-ups" into the lead bank(s). * - Owned by a foreign bank ** A top 100 ranking will be available in Ranking The Banks in June 1998.*** - Not meaningful. American Banker, 1998 ===

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