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part 1 of 3
Rank Total Mortgage Investments
Dec-96 9/30/97
1 Chase Manhattan Bank NA, New York $49,753,000
2 NationsBank NA, Charlotte (m) 45,217,598
3 Bank of America NT&SA, San Francisco 40,198,000
4 First Union National Bank, Charlotte (m) 36,213,302
5 Wells Fargo Bank NA, San Francisco (m) 17,773,925
6 PNC Bank NA, Pittsburgh 16,598,060
7 Morgan Guaranty Trust Co., New York 15,574,349
8 Republic National Bank, New York * 15,444,442
9 KeyBank NA, Cleveland (m) 14,500,100
10 Barnett Bank NA, Jacksonville, Fla. 13,006,632
11 Fleet National Bank, Springfield, Ma. 11,948,660
12 First Bank, St. Paul, Minn. (m) 11,876,808
13 Marine Midland Bank, Buffalo, N.Y. (m) 10,293,881
14 First Union National Bank, Avondale, Pa. 9,717,162
15 Summit Bank, Hackensack, N.J. 9,325,958
16 Mellon Bank NA, Pittsburgh 8,954,432
17 Chase Manhattan Bank USA NA, Wilmington, Del. ( 8,212,617
18 SouthTrust Bank NA, Birmingham, Ala. (m) 7,612,199
19 NationsBank of Texas NA, Dallas, Tx. (m) 7,487,357
20 Crestar Bank, Richmond, Va. (m) 7,294,331
21 BankBoston NA (m) 7,026,527
22 AmSouth Bank, Birmingham, Ala. (m) 6,669,943
23 Branch Banking & Trust Co., Winston-Salem, NC ( 6,555,897
24 Mercantile Bank of Plattsburg, Mo. (m) 6,025,860
25 National City Bank of Pennsylvania, Pittsburgh 5,719,064
26 Wachovia Bk NA, Winston-Salem, NC (m) 5,674,320
27 Regions Bank, Birmingham, Ala. (m) 5,427,721
28 European American Bank, New York* 5,407,855
29 Citibank NA, New York 5,386,000
30 Norwest Bank Minnesota NA, Minneapolis (m) 5,200,392
31 First of America Bank-Michigan NA, Kalamazoo (m 4,983,649
32 Old Kent Bank, Grand Rapids, Mich. (m) 4,641,710
33 Texas Commerce Bank NA, Houston 4,623,985
34 Comerica Bank, Detroit, Mich. 4,489,155
35 First Tennessee Bank NA, Memphis, Tenn. 4,266,692
36 Huntington National Bank, Columbus, Ohio (m) 4,244,822
37 Union Bank of California NA, San Francisco* 4,187,365
38 First National Bank of Chicago 3,977,094
39 First American National Bank, Nashville, Tenn. 3,891,645
40 Central Fidelity National Bank, Richmond, Va. 3,819,284
41 Bank One Texas NA, Dallas (m) 3,655,290
42 CoreStates Bank NA, Philadelphia (m) 3,581,612
43 NBD Bank, Detroit 3,514,493
44 First Security Bank NA, Ogden, Utah 3,502,715
45 Popular Inc., San Juan, Puerto Rico 3,351,000
46 North Fork Bank, Mattituck, N.Y. (m) 3,244,257
47 Bank of Hawaii, Honolulu 3,209,228
48 Compass Bank, Birmingham, Ala. (m) 3,192,261
49 Norwest Bank Colorado NA, Denver 3,061,581
50 La Salle National Bank, Chicago 3,020,846
Totals for the Top 50 Banks (in billions) $492.56
Totals for all Banks (in billions) $998.15
part 2 of 3
Rank Mortgage-Backed
Dec-96 9/30/96% Change 9/30/97
1 Chase Manhattan Bank NA $49,208,000 1.11 $19,186,000
2 NationsBank NA, Charlot 42,238,297 7.05 14,352,965
3 Bank of America NT&SA, 43,304,180 -7.17 6,376,000
4 First Union National Ba 35,532,677 1.92 8,807,127
5 Wells Fargo Bank NA, Sa 22,074,683 -19.48 3,132,309
6 PNC Bank NA, Pittsburgh 15,674,430 5.89 302,584
7 Morgan Guaranty Trust C 12,528,173 24.31 14,276,417
8 Republic National Bank, 13,170,761 17.26 11,778,583
9 KeyBank NA, Cleveland ( 13,992,748 3.63 3,105,346
10 Barnett Bank NA, Jackso 12,993,595 0.1 946,393
11 Fleet National Bank, Sp 10,379,636 15.12 4,453,508
12 First Bank, St. Paul, M 9,490,664 25.14 3,087,785
13 Marine Midland Bank, Bu 8,990,304 14.5 654,828
14 First Union National Ba 9,182,325 5.82 2,738,664
15 Summit Bank, Hackensack 8,423,501 10.71 1,114,610
16 Mellon Bank NA, Pittsbu 8,539,667 4.86 4,109,742
17 Chase Manhattan Bank US 5,744,849 42.96 0
18 SouthTrust Bank NA, Bir 6,209,888 22.58 1,617,951
19 NationsBank of Texas NA 8,862,440 -15.52 2,997,565
20 Crestar Bank, Richmond, 6,820,035 6.95 2,171,173
21 BankBoston NA (m) 7,688,112 -8.61 1,849,292
22 AmSouth Bank, Birmingha 7,269,257 -8.24 2,199,072
23 Branch Banking & Trust 5,873,629 11.62 1,472,102
24 Mercantile Bank of Plat 5,425,850 11.06 329,281
25 National City Bank of P 5,531,031 3.4 1,215,680
26 Wachovia Bk NA, Winston 6,433,803 -11.8 1,790,089
27 Regions Bank, Birmingha 4,362,002 24.43 338,523
28 European American Bank, 5,137,135 5.27 2,254,213
29 Citibank NA, New York 5,555,000 -3.04 160,000
30 Norwest Bank Minnesota 3,815,013 36.31 403,333
31 First of America Bank-M 4,509,378 10.52 66,223
32 Old Kent Bank, Grand Ra 3,577,350 29.75 217,110
33 Texas Commerce Bank NA, 4,410,130 4.85 3,183,608
34 Comerica Bank, Detroit, 5,057,129 -11.23 2,254,152
35 First Tennessee Bank NA 3,952,378 7.95 248,887
36 Huntington National Ban 4,165,992 1.89 1,374,823
37 Union Bank of Californi 3,856,140 8.59 205,601
38 First National Bank of 3,253,652 22.23 663,366
39 First American National 3,599,434 8.12 108,290
40 Central Fidelity Nation 4,073,767 -6.25 896,877
41 Bank One Texas NA, Dall 4,341,765 -15.81 836,159
42 CoreStates Bank NA, Phi 3,486,628 2.72 163,482
43 NBD Bank, Detroit 3,198,906 9.87 1,086,673
44 First Security Bank NA, 2,782,191 25.9 462,654
45 Popular Inc., San Juan, 3,323,000 0.84 445,000
46 North Fork Bank, Mattit 3,012,313 7.7 1,111,866
47 Bank of Hawaii, Honolul 3,248,680 -1.21 944,942
48 Compass Bank, Birmingha 2,994,048 6.62 278,354
49 Norwest Bank Colorado N 3,417,563 -10.42 2,043,460
50 La Salle National Bank, 3,405,860 -11.3 1,616,710
Totals for the Top 50 B $474.12 3.89 $135.43
Totals for all Banks (i $920.96 8.38 $269.51
Rank Collateralized Mortgage
Dec-96 9/30/96% Change 9/30/97 9/30/96
1 Chase Manhattan$18,227,000 5.26 $2,681,000 $4,070,000
2 NationsBank NA, 13,772,644 4.21 3,645,126 3,880,403
3 Bank of America 5,173,216 23.25 998,000 591,990
4 First Union Nat 8,705,840 1.16 956,389 1,017,387
5 Wells Fargo Ban 4,170,866 -24.9 4,315,927 5,849,558
6 PNC Bank NA, Pi 877,701 -65.53 3,008,498 3,718,866
7 Morgan Guaranty 10,972,665 30.11 1,063,552 1,306,917
8 Republic Nation 10,005,598 17.72 1,843,313 1,677,298
9 KeyBank NA, Cle 3,308,015 -6.13 3,377,812 2,384,223
10 Barnett Bank NA 205,616*** 768,490 1,298,887
11 Fleet National 5,499,688 -19.02 326 481
12 First Bank, St. 2,093,962 47.46 1,111,328 1,109,467
13 Marine Midland 793,087 -17.43 214,639 243,728
14 First Union Nat 1,387,402*** 618,381 700,638
15 Summit Bank, Ha 896,343 24.35 3,560,820 2,995,365
16 Mellon Bank NA, 4,191,332 -1.95 2,771 4,519
17 Chase Manhattan 0*** 1,032,023 339,321
18 SouthTrust Bank 982,803 64.63 883,717 976,291
19 NationsBank of 3,511,769 -14.64 84,703 151,953
20 Crestar Bank, R 2,679,757 -18.98 613,628 1,018,350
21 BankBoston NA ( 808,556*** 1,785,949 817,682
22 AmSouth Bank, B 2,861,805 -23.16 1,415,972 1,235,151
23 Branch Banking 1,449,020 1.59 278,095 126,464
24 Mercantile Bank 361,997 -9.04 2,079,967 2,312,237
25 National City B 1,431,595 -15.08 843,765 501,486
26 Wachovia Bk NA, 2,057,364 -12.99 564,800 714,954
27 Regions Bank, B 401,562 -15.7 810,016 783,724
28 European Americ 1,808,549 24.64 1,564,629 1,940,171
29 Citibank NA, Ne 99,000 61.62 0 0
30 Norwest Bank Mi 623,682 -35.33 28,152 31,075
31 First of Americ 74,800 -11.47 2,681,233 1,928,525
32 Old Kent Bank, 264,977 -18.06 1,788,781 1,364,088
33 Texas Commerce 3,051,963 4.31 272,227 252,404
34 Comerica Bank, 2,543,310 -11.37 350,881 501,531
35 First Tennessee 302,294 -17.67 1,146,957 1,073,878
36 Huntington Nati 1,204,298 14.16 713,040 642,462
37 Union Bank of C 69,038*** 389,346 214,596
38 First National 161,663*** 417,357 0
39 First American 287,440 -62.33 2,043,969 1,621,314
40 Central Fidelit 1,182,356 -24.14 712,981 765,645
41 Bank One Texas 1,147,625 -27.14 705,885 1,259,832
42 CoreStates Bank 161,624 1.15 511,193 651,876
43 NBD Bank, Detro 1,012,670 7.31 57,353 24,933
44 First Security 537,040 -13.85 1,250,139 959,123
45 Popular Inc., S 239,000 86.19 792,000 591,000
46 North Fork Bank 1,347,483 -17.49 1,183,466 713,914
47 Bank of Hawaii, 1,112,586 -15.07 905,464 910,936
48 Compass Bank, B 298,344 -6.7 972,446 1,122,852
49 Norwest Bank Co 2,579,408 -20.78 3,904 5,283
50 La Salle Nation 1,158,624 39.54 1,169,998 1,521,582
Totals for the $128.09 5.73 $58.22 $57.92
Totals for all $246.17 9.48 $116.54 $114.54
Princ. Bal.
of Home Mtge.
Rank Home Mortgage Loans Loans Sold
Dec-96 % Change 9/30/97 9/30/96% Change 9/30/97
1 Chase Man -34.13$27,886,000 $26,911,000 3.62 $603,000
2 NationsBa -6.06 27,219,507 24,585,250 10.71 555,908
3 Bank of A 68.58 32,824,000 37,538,974 -12.56 385,000
4 First Uni -6 26,449,786 25,809,450 2.48 242,558
5 Wells Far -26.22 10,325,689 12,054,259 -14.34 6,607
6 PNC Bank -19.1 13,286,978 11,077,863 19.94 333,006
7 Morgan Gu -18.62 234,380 248,591 -5.72 0
8 Republic 9.9 1,822,546 1,487,865 22.49 0
9 KeyBank N 41.67 8,016,942 8,300,510 -3.42 27,212
10 Barnett B -40.83 11,291,749 11,489,092 -1.72 117,547
11 Fleet Nat*** 7,494,826 4,879,467 53.6 393,471
12 First Ban 0.17 7,677,695 6,287,235 22.12 55,688
13 Marine Mi -11.94 9,424,414 7,953,489 18.49 130,082
14 First Uni -11.74 6,360,117 7,094,285 -10.35 71,706
15 Summit Ba 18.88 4,650,528 4,531,793 2.62 2,096
16 Mellon Ba -38.68 4,841,919 4,343,816 11.47 117,356
17 Chase Man*** 7,180,594 5,405,528 32.84 109,589
18 SouthTrus -9.48 5,110,531 4,250,794 20.23 14,753
19 NationsBa -44.26 4,405,089 5,198,718 -15.27 275,275
20 Crestar B -39.74 4,509,530 3,121,928 44.45 117,593
21 BankBosto 118.42 3,391,286 6,061,874 -44.06 235,522
22 AmSouth B 14.64 3,054,899 3,172,301 -3.7 0
23 Branch Ba*** 4,805,700 4,298,145 11.81 424,037
24 Mercantil -10.05 3,616,612 2,751,616 31.44 0
25 National 68.25 3,659,619 3,597,950 1.71 0
26 Wachovia -21 3,319,431 3,661,485 -9.34 0
27 Regions B 3.35 4,279,182 3,176,716 34.7 1,893
28 European -19.36 1,589,013 1,388,415 14.45 0
29 Citibank *** 5,226,000 5,456,000 -4.221,685,000
30 Norwest B -9.41 4,768,907 3,160,256 50.9 18,271
31 First of 39.03 2,236,193 2,506,053 -10.77 50,929
32 Old Kent 31.13 2,635,819 1,948,285 35.29 832,391
33 Texas Com 7.85 1,168,150 1,105,763 5.64 0
34 Comerica -30.04 1,884,122 2,012,288 -6.37 2,696
35 First Ten 6.81 2,870,848 2,576,206 11.44 126,461
36 Huntingto 10.99 2,156,959 2,319,232 -7 14,126
37 Union Ban 81.43 3,592,418 3,572,506 0.56 0
38 First Nat*** 2,896,371 3,091,989 -6.33 7,244
39 First Ame 26.07 1,739,386 1,690,680 2.88 0
40 Central F -6.88 2,209,426 2,125,766 3.94 0
41 Bank One -43.97 2,113,246 1,934,308 9.25 0
42 CoreState -21.58 2,906,937 2,673,128 8.75 414,309
43 NBD Bank,*** 2,370,467 2,161,303 9.68 0
44 First Sec 30.34 1,789,922 1,286,028 39.18 449
45 Popular I 34.01 2,114,000 2,493,000 -15.2 0
46 North For 65.77 948,925 950,916 -0.21 3,819
47 Bank of H -0.6 1,358,822 1,225,158 10.91 531,752
48 Compass B -13.39 1,941,461 1,572,852 23.44 0
49 Norwest B -26.1 1,014,217 832,872 21.77 0
50 La Salle -23.11 234,138 725,654 -67.73 0
Totals fo 0.51 $298.91 $288.10 3.75 $7.91
Totals fo 1.75 $612.10 $560.25 9.25 $14.00
Source: Sheshunoff Information Services, Inc., Austin, Texas from its