Top 50 Lenders to Business Among Bank Holding Companies

+++ (dollar amounts in millions)

part 1 of 6

Rank Chng.

Dec-96in Rank form 97

1- Citicorp, New York

2 1 BankAmerica Corp., San Francisco

3 -1 Chase Manhattan Corp., New York

4- NationsBank Corp., Charlotte, N.C. (m)

5- First Union Corp., Charlotte, N.C. (m)

6- First Chicago NBD Corp., Chicago

7 2 Banc One Corp., Columbus, Ohio (m)

8 1 Fleet Financial Group Inc., Boston

9 -1 Wells Fargo & Co., San Francisco

10- U.S. Bancorp, Minneapolis (m)

11- BankBoston Corp.

12- Bank of New York Co., Inc.

13 1 KeyCorp, Cleveland

14 -1 J.P. Morgan & Co. Inc., New York

15 1 Corestates Financial Corp., Philadelphia

16 -1 PNC Bank Corp., Pittsburgh

17 2 Wachovia Corp., Winston-Salem, N.C. (m)

18 -1 Comerica, Inc., Detroit

19 -1 SunTrust Banks, Inc., Atlanta

20 -10 Bankers Trust New York Corp.

21- Norwest Corp., Minneapolis (m)

22- National City Corp., Cleveland

23- Mellon Bank Corp., Pittsburgh

24- Union Bank of California Corp., San Francisco

25 2 SouthTrust Corp., Birmingham, Ala. (m)

26 3 LaSalle National Corp., Chicago

27 1 Republic New York Corp.

28 4 Huntington Bancshares Inc., Columbus, Ohio (m)

29 6 BB&T Corp., Winston-Salem, N.C. (m)

30- Summit Bancorp, Princeton, N.J. (m)

31 -2 Barnett Banks, Inc., Jacksonville, Fla.

32 -1 HSBC Americas, Inc., Buffalo, N.Y. (m)

33 8 Mercantile Bancorp., Inc., St. Louis (m)

34 -1 Firstar Corp., Milwaukee

35 -1 Fifth Third Bancorp, Cincinnati (m)

36- Harris Bankcorp, Chicago

37 3 Marshall & Ilsley Corp., Milwaukee (m)

38 4 Regions Financial Corp., Birmingham, Ala. (m)

39 -2 First Empire State Corp., Buffalo

40 -2 Northern Trust Corp., Chicago

41 -4 First of America Bank Corp., Kalamazoo, Mich.

42 9 First Maryland Bancorp, Baltimore (m)

43 -4 AmSouth Bancorp., Birmingham, Ala.

44- State Street Corp., Boston

45 4 Crestar Financial Corp., Richmond, Va. (m)

46 -3 Pacific Century Financial Corp., Honolulu

47 9 Union Planters Corp., Memphis

48 2 Popular Inc., San Juan, P.R. (m)

49 -4 Michigan National Corp., Farmington Hills

50 -3 First Security Corp., Salt Lake City

Totals for Top 50 in Business Lending

Totals for all US Banks

part 2 of 6

Rank Chng. Total Business Loans

Dec-96in Rank form 97 12/31/97 12/31/96

1- Citicorp, New Yo $108,965 $101,518

2 1 BankAmerica Corp 96,842 90,481

3 -1 Chase Manhattan 96,343 100,064

4- NationsBank Corp 82,175 82,843

5- First Union Corp 48,811 46,229

6- First Chicago NB 43,253 40,769

7 2 Banc One Corp., 40,872 36,890

8 1 Fleet Financial 40,658 37,719

9 -1 Wells Fargo & Co 38,849 36,840

10- U.S. Bancorp, Mi 33,783 31,493

11- BankBoston Corp. 32,905 28,706

12- Bank of New York 31,412 28,036

13 1 KeyCorp, Clevela 29,608 24,600

14 -1 J.P. Morgan & Co 29,388 26,641

15 1 Corestates Finan 27,019 23,827

16 -1 PNC Bank Corp., 26,483 24,381

17 2 Wachovia Corp., 25,439 21,489

18 -1 Comerica, Inc., 22,502 19,374

19 -1 SunTrust Banks, 21,320 18,546

20 -10 Bankers Trust Ne 20,613 30,684

21- Norwest Corp., M 19,158 18,505

22- National City Co 18,862 16,367

23- Mellon Bank Corp 16,872 15,809

24- Union Bank of Ca 16,156 14,303

25 2 SouthTrust Corp. 14,446 12,538

26 3 LaSalle National 10,428 7,962

27 1 Republic New Yor 9,789 9,631

28 4 Huntington Bancs 9,768 9,280

29 6 BB&T Corp., Wins 9,606 9,009

30- Summit Bancorp, 9,179 8,152

31 -2 Barnett Banks, I 9,178 8,822

32 -1 HSBC Americas, I 8,656 8,158

33 8 Mercantile Banco 8,067 7,722

34 -1 Firstar Corp., M 7,873 7,390

35 -1 Fifth Third Banc 7,766 7,305

36- Harris Bankcorp, 7,595 7,010

37 3 Marshall & Ilsle 7,526 6,740

38 4 Regions Financia 7,181 5,879

39 -2 First Empire Sta 7,044 6,321

40 -2 Northern Trust C 6,792 5,929

41 -4 First of America 6,700 6,630

42 9 First Maryland B 6,387 5,943

43 -4 AmSouth Bancorp. 6,329 5,920

44- State Street Cor 6,212 4,801

45 4 Crestar Financia 6,205 4,262

46 -3 Pacific Century 5,909 5,318

47 9 Union Planters C 5,487 3,588

48 2 Popular Inc., Sa 5,375 4,488

49 -4 Michigan Nationa 5,276 4,598

50 -3 First Security C 5,249 4,350

Totals for Top 5$1,168,314$1,093,865

Totals for all U$1,695,012$1,600,380

part 3 of 6

% Business

Loans Commercial &

Rank Chng. Nonperform Industrial Loans

Dec-96in Rank form 97 % Change 12/31/97 12/31/97

1- Citicorp, 7.34% 1.51% $62,642

2 1 BankAmeric 7.03 0.53 55,160

3 -1 Chase Manh -3.72 0.69 56,973

4- NationsBan -0.81 0.64 49,635

5- First Unio 5.59 0.75 20,381

6- First Chic 6.09 0.73 27,207

7 2 Banc One C 10.79 1.02 17,048

8 1 Fleet Fina 7.79 1.02 25,097

9 -1 Wells Farg 5.45 1.09 17,443

10- U.S. Banco 7.27 0.72 16,488

11- BankBoston 14.63 0.59 23,825

12- Bank of Ne 12.04 0.75 17,392

13 1 KeyCorp, C 20.36 1.23 12,378

14 -1 J.P. Morga 10.31 0.33 14,513

15 1 Corestates 13.4 0.9 15,899

16 -1 PNC Bank C 8.62 1.18 16,024

17 2 Wachovia C 18.38 0.29 13,247

18 -1 Comerica, 16.15 0.35 15,089

19 -1 SunTrust B 14.96 0.38 11,497

20 -10 Bankers Tr -32.82 1.13 9,092

21- Norwest Co 3.53 0.8 8,967

22- National C 15.24 0.72 9,793

23- Mellon Ban 6.73 0.59 10,323

24- Union Bank 12.95 0.68 9,340

25 2 SouthTrust 15.22 0.65 4,720

26 3 LaSalle Na 30.97 0.44 7,942

27 1 Republic N 1.65 0.73 4,340

28 4 Huntington 5.26 0.82 4,010

29 6 BB&T Corp. 6.63 0.54 2,570

30- Summit Ban 12.59 0.81 4,676

31 -2 Barnett Ba 4.04 0.73 3,294

32 -1 HSBC Ameri 6.1 2.5 5,138

33 8 Mercantile 4.46 0.72 3,372

34 -1 Firstar Co 6.53 1.06 3,715

35 -1 Fifth Thir 6.32 0.71 2,728

36- Harris Ban 8.34 0.38 4,973

37 3 Marshall & 11.66 0.42 2,970

38 4 Regions Fi 22.14 0.56 2,314

39 -2 First Empi 11.43 0.3 2,135

40 -2 Northern T 14.55 0.54 3,972

41 -4 First of A 1.05 1.03 2,303

42 9 First Mary 7.47 0.62 2,976

43 -4 AmSouth Ba 6.9 0.61 3,018

44- State Stre 29.39 0.04 2,105

45 4 Crestar Fi 45.58 0.54 2,754

46 -3 Pacific Ce 11.13 0.95 2,967

47 9 Union Plan 52.94 0.89 2,193

48 2 Popular In 19.76 1.99 2,995

49 -4 Michigan N 14.75 0.96 2,871

50 -3 First Secu 20.66 0.49 2,156

Totals for 6.81% 0.77%$624,660

Totals for 5.91% 0.83%$795,941

part 4 of 6

Secured Commercial

Rank Chng. Real Estate

Dec-96in Rank form 97 % Change 12/31/97% Change

1- Citicorp, 24.38% $25,151 -6.65%

2 1 BankAmeric 10.56 18,015 2.25

3 -1 Chase Manh 5.3 7,214 -7.52

4- NationsBan 4.43 19,027 -9.89

5- First Unio 26.39 14,843 -9.75

6- First Chic 7.14 5,581 -0.23

7 2 Banc One C 14.9 11,443 -6.97

8 1 Fleet Fina 17.29 8,927 -12.83

9 -1 Wells Farg 7.25 14,195 2.81

10- U.S. Banco 6.22 10,384 17.91

11- BankBoston 20.41 5,583 30.52

12- Bank of Ne 16.52 3,392 3.63

13 1 KeyCorp, C 17.5 9,498 7.72

14 -1 J.P. Morga 12.89 1,576 53.73

15 1 Corestates 18.12 5,056 -1.71

16 -1 PNC Bank C 8.83 5,170 -5.38

17 2 Wachovia C 26.75 8,570 13.25

18 -1 Comerica, 15.67 4,905 10.91

19 -1 SunTrust B 22.84 6,221 4.2

20 -10 Bankers Tr 44.64 2,203 34.82

21- Norwest Co 3.89 6,068 0.86

22- National C 10.89 5,352 1.09

23- Mellon Ban 3.99 1,509 -0.79

24- Union Bank 13.42 3,407 9.37

25 2 SouthTrust 10.91 8,804 19.97

26 3 LaSalle Na 31.14 1,389 10.09

27 1 Republic N 0.55 2,124 -6.17

28 4 Huntington 2.11 3,744 3.31

29 6 BB&T Corp. 4.74 6,144 5.47

30- Summit Ban 12.68 3,124 6.44

31 -2 Barnett Ba 6.44 4,644 -3.66

32 -1 HSBC Ameri 11.6 2,236 -12.47

33 8 Mercantile 4.95 3,490 1.95

34 -1 Firstar Co 8.95 2,896 -1.25

35 -1 Fifth Thir -0.91 1,587 8.53

36- Harris Ban 15.81 740 -0.8

37 3 Marshall & 11.81 3,544 7.44

38 4 Regions Fi 21.8 4,146 25.16

39 -2 First Empi 16.44 4,259 13.82

40 -2 Northern T 23.79 652 -0.17

41 -4 First of A 6.33 3,862 -1.16

42 9 First Mary 15.64 2,307 -2.47

43 -4 AmSouth Ba 1.86 2,535 10.5

44- State Stre 4.62 83 -31.34

45 4 Crestar Fi 42.49 2,566 46.52

46 -3 Pacific Ce 16.75 2,064 10.35

47 9 Union Plan 81.91 2,695 36.32

48 2 Popular In 33.89 1,193 5.51

49 -4 Michigan N 19.77 2,229 10.76

50 -3 First Secu 30.31 1,580 9.38

Totals for 13.31%$277,928 1.72%

Totals for 12.06%$524,989 8.35%

part 5 of 6

Lease Financial

Rank Chng. Receivable

Dec-96in Rank form 97 12/31/97% Change

1- Citicorp, $4,723 -6.75%

2 1 BankAmeric 8,088 25.59

3 -1 Chase Manh 9,347 28.36

4- NationsBan 5,917 13.49

5- First Unio 8,785 30.5

6- First Chic 3,114 16.72

7 2 Banc One C 9,014 39.86

8 1 Fleet Fina 3,401 30.3

9 -1 Wells Farg 4,047 34.78

10- U.S. Banco 2,006 61.25

11- BankBoston 2,022 10.06

12- Bank of Ne 2,592 18.5

13 1 KeyCorp, C 6,006 69.44

14 -1 J.P. Morga 191 -5.04

15 1 Corestates 1,357 10.12

16 -1 PNC Bank C 1,497 26.74

17 2 Wachovia C 1,094 31.65

18 -1 Comerica, 517 26.89

19 -1 SunTrust B 726 19.46

20 -10 Bankers Tr 266 0.38

21- Norwest Co 921 13.25

22- National C 1,824 73.62

23- Mellon Ban 2,745 5.65

24- Union Bank 876 8.99

25 2 SouthTrust 744 4.16

26 3 LaSalle Na 625 51.14

27 1 Republic N 20 -7.83

28 4 Huntington 1,628 30.36

29 6 BB&T Corp. 616 31

30- Summit Ban 875 51.09

31 -2 Barnett Ba 501 28.06

32 -1 HSBC Ameri 19 -30.36

33 8 Mercantile 151 10.13

34 -1 Firstar Co 285 47.77

35 -1 Fifth Thir 2,966 13.86

36- Harris Ban 23 -21.58

37 3 Marshall & 489 40.55

38 4 Regions Fi 183 39.33

39 -2 First Empi 200 -5.97

40 -2 Northern T 347 29.6

41 -4 First of A 4 -28.32

42 9 First Mary 774 21.59

43 -4 AmSouth Ba 322 45.02

44- State Stre 965 34.17

45 4 Crestar Fi 73 N/M

46 -3 Pacific Ce 433 12.21

47 9 Union Plan 65 -11.28

48 2 Popular In 585 13.59

49 -4 Michigan N 93 2.06

50 -3 First Secu 1,030 36.92

Totals for $95,095 25.96%

Totals for $100,548 27.76%

part 6 of 6

All Other Loans

Rank Chng. to Business

Dec-96in Rank form 97 12/31/97% Change

1- Citicorp, $16,449 -14.09%

2 1 BankAmeric 15,579 -5.76

3 -1 Chase Manh 22,809 -26.13

4- NationsBan 7,595 -15.46

5- First Unio 4,803 -30.65

6- First Chic 7,351 3.35

7 2 Banc One C 3,367 1.79

8 1 Fleet Fina 3,232 -6.86

9 -1 Wells Farg 3,164 -16

10- U.S. Banco 4,905 -17.15

11- BankBoston 1,475 -47.43

12- Bank of Ne 8,036 5.06

13 1 KeyCorp, C 1,725 1.31

14 -1 J.P. Morga 13,108 4.37

15 1 Corestates 4,708 17.96

16 -1 PNC Bank C 3,791 25.9

17 2 Wachovia C 2,528 -4.24

18 -1 Comerica, 1,991 32.79

19 -1 SunTrust B 2,876 10.24

20 -10 Bankers Tr 9,052 -59.77

21- Norwest Co 3,202 5.18

22- National C 1,892 58.98

23- Mellon Ban 2,295 30.25

24- Union Bank 2,534 17.85

25 2 SouthTrust 179 -22.45

26 3 LaSalle Na 471 79.46

27 1 Republic N 3,305 9.12

28 4 Huntington 386 -19.46

29 6 BB&T Corp. 276 6.1

30- Summit Ban 504 3.23

31 -2 Barnett Ba 740 43.46

32 -1 HSBC Ameri 1,263 29.86

33 8 Mercantile 1,054 11.04

34 -1 Firstar Co 976 14.2

35 -1 Fifth Thir 485 0.23

36- Harris Ban 1,859 -4.22

37 3 Marshall & 523 19.55

38 4 Regions Fi 538 0.45

39 -2 First Empi 450 -15.54

40 -2 Northern T 1,821 1.19

41 -4 First of A 530 -3.71

42 9 First Mary 329 -10.23

43 -4 AmSouth Ba 455 2.91

44- State Stre 3,058 56.98

45 4 Crestar Fi 812 40.61

46 -3 Pacific Ce 446 -14.34

47 9 Union Plan 534 60.89

48 2 Popular In 602 -0.6

49 -4 Michigan N 83 -14.64

50 -3 First Secu 482 -3.23

Totals for$170,630 -12.55%

Totals for$273,535 -16.32%

Source: Compiled by American Banker from data provided by Sheshunoff Information Services, Austin, Tex.1996 Consumer lending balances adjusted for mergers completed in 1997 is derived from regulatory reports filed by bank hoilding companies with the FDIC.As such, the total may differ from that in financial statements and SEC reports filed by the institution. Total Business Loans are the sum of commercial and industrial loans; secured commercial real estate loans (construction, multifamily, and loans on commercial properties); lease finance receivables and all other loans to business. Commercial & Industrial Loans are loans made for commercial and industrial purposes to sole proprietorships, partnerships, corporations, and other business entities, whether secured (other than real estate) or unsecured, single-payment, or installment,which may take the form of direct or purchased loans. Secured Commercial Real Estate Loans are all loans that are secured by real estate (other than 1-4 Family Residential Mortgage Loans and Home Equity Loans) as evidenced by mortgages, deeds of trust, land contracts, or other instruments, whether first or junior liens on real estate.It generally includes loans for construction and land development, loans secured by farmland, by multifamily properties, and by nonfarm nonresidential properties. Lease Finance Receivables are all outstanding receivable balances relating to direct financing and leveraged leases on property acquired by the holding company for leasing purposes net of unearned income All Other Loans to Business are the sum of farm loans (loans to finance agricultural production and loans secured by farmland), loans to other financial institutions, loans to governments (loans to foreign governments and official institutions and the obligations-other than securities and leases-of U.S. state and political subdivisions), and all other loans (loans that cannot be classified in any of the above categories). Percent Business Loans Nonperforming reflects all business loans which are 90 plus days past due and or placed on a nonaccrual basis. (m) merger adjustments. n/m = Not meaningful. American Banker, 1998 ===

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