+++ (Bank holding companies, dollar amounts in millions)

part 1 of 5

Rank

Dec-98 Dec-97

1 2 Bank of America Corp., Charlotte, N.C. (a)

2 1 Citigroup Inc., New York (b)

3 7 Bank One Corp., Chicago (g)

4 3 Chase Manhattan Corp., New York

5 5 First Union Corp., Charlotte, N.C. (w)

6 9 Wells Fargo & Co., San Francisco (c)

7 8 Fleet Financial Group Inc., Boston

8 10 U.S. Bancorp, Minneapolis

9 13 KeyCorp, Cleveland

10 19 SunTrust Banks Inc., Atlanta (i)

11 12 Bank of New York Co., Inc.

12 11 BankBoston Corp.

13 16 PNC Bank Corp., Pittsburgh

14 22 National City Corp., Cleveland (h)

15 17 Wachovia Corp., Winston-Salem, N.C.

16 18 Comerica Inc., Detroit (p)

17 20 Bankers Trust Co., New York

18 14 J.P. Morgan & Co. Inc., New York

19 23 Mellon Bank Corp., Pittsburgh

20 26 SouthTrust Corp., Birmingham, Ala.

21 24 Unionbancal Corp, San Francisco

22 25 ABN-Amro North America, Inc., Chicago (1)

23 34 Firstar Corp., Milwaukee (j)

24 32 HSBC Americas Inc., Buffalo

25 38 Regions Financial Corp., Birmingham, Ala. (s)

26 29 BB&T Corp., Winston-Salem, N.C. (r)

27 28 Huntington Bancshares Inc., Columbus, Ohio

28 33 Mercantile Bancorp. Inc., St. Louis (p)

29 30 Summit Bancorp, Princeton, N.J. (u)

30 47 Union Planters Corp., Memphis (t)

31 27 Republic New York Corp.

32 35 Fifth Third Bancorp, Cincinnati (o)

33 37 Harris Bank Corp., Chicago (1)

34 39 M & T Bank Corp., Buffalo (k)

35 37 Marshall & Ilsley Corp., Milwaukee

36 NR Zions Bancorp, Salt Lake City, Utah (n)

37 40 Northern Trust Corp., Chicago

38 NR First American Corp., Nashville (q)

39 43 Amsouth Bancorp., Birmingham, Ala.

40 42 First Maryland Bancorp, Baltimore (1)

41 44 State Street Corp., Boston

42 50 First Security Corp., Salt Lake City, Utah

43 46 Pacific Century Financial Corp., Honolulu

44 48 Popular Inc., San Juan, P.R.

45 NR BancWest Corp., Honolulu (d)

46 49 Michigan National Corp., Farmington Hills (1)

47 NR Compass Bancshares, BIrmingham, Ala. (f)

48 NR Hibernia Corp., New Orleans (e)

49 NR Old Kent Financial Corp., Grand Rapids, Mich. (m)

50 NR Synovus Financial Corp., Columbus, Ga.

Totals and averages for the top 50

Aggregate for all FDIC-Insured Comm'l Banks

part 2 of 5

Bus. loans Commercial

As a % of Real Estate

Total Busine Nonperfoming Receivables

Rank Loans Loans

Dec-98 Dec-97 12/31/98 % Chg. 12/31/98

1 2 Bank of A$208,750.00 16.61% 0.80%

2 1 Citigroup 134,595.00 23.52 1.74

3 7 Bank One 98,835.00 17.49 0.86

4 3 Chase Man 96,619.00 0.29 1.2

5 5 First Uni 81,640.30 7.66 0.58

6 9 Wells Far 63,747.00 -0.63 0.9

7 8 Fleet Fin 47,374.00 16.52 0.54

8 10 U.S. Banc 37,236.00 10.22 0.6

9 13 KeyCorp, 36,062.60 21.8 0.97

10 19 SunTrust 34,933.10 26.91 0.36

11 12 Bank of N 34,669.50 10.37 0.51

12 11 BankBosto 34,031.60 3.42 0.73

13 16 PNC Bank 31,864.90 20.32 1.02

14 22 National 29,819.90 11.84 0.76

15 17 Wachovia 27,305.80 7.34 0.52

16 18 Comerica 26,943.20 19.74 0.42

17 20 Bankers T 23,543.00 14.21 1.52

18 14 J.P. Morg 23,526.70 -19.94 0.59

19 23 Mellon Ba 19,188.20 13.72 0.34

20 26 SouthTrus 19,033.70 31.75 0.54

21 24 Unionbanc 18,652.50 15.45 0.52

22 25 ABN-Amro 18,501.50 26.49 0.36

23 34 Firstar C 16,193.90 24.04 0.73

24 32 HSBC Amer 11,979.00 38.39 2.15

25 38 Regions F 11,876.30 26.81 1.35

26 29 BB&T Corp 11,159.80 13.58 0.38

27 28 Huntingto 10,953.80 12.14 0.66

28 33 Mercantil 10,646.60 21.46 0.56

29 30 Summit Ba 10,277.20 12.08 0.79

30 47 Union Pla 9,968.20 22.3 0.99

31 27 Republic 9,778.00 -0.12 0.57

32 35 Fifth Thi 9,774.70 26.4 0.51

33 37 Harris Ba 9,374.70 15.22 0.33

34 39 M & T Ban 9,150.30 12.37 0.42

35 37 Marshall 8,715.50 15.81 0.76

36 NR Zions Ban 7,488.90 10.55 0.92

37 40 Northern 7,057.50 3.9 0.52

38 NR First Ame 7,020.20 12.47 0.87

39 43 Amsouth B 6,991.20 10.46 0.55

40 42 First Mar 6,927.40 8.47 0.77

41 44 State Str 6,901.80 11.11 0.18

42 50 First Sec 6,640.00 26.51 0.56

43 46 Pacific C 6,295.50 6.53 1.55

44 48 Popular I 6,282.00 16.87 2.28

45 NR BancWest 6,012.40 11.94 1.33

46 49 Michigan 5,948.20 12.74 0.71

47 NR Compass B 5,662.00 38.93 0.68

48 NR Hibernia 5,340.00 30.37 0.59

49 NR Old Kent 5,148.40 6.67 1.02

50 NR Synovus F 4,919.30 16.82 0.65

Totals an$1,381,355 13.34 0.87%

Aggregate$1,906,200 12.76 0.96

part 3 of 5

Commercial & lease

Real Estate Financing

Rank Loans Receivables

Dec-98 Dec-97 12/31/98 % Chg. 12/31/98

1 2 Bank of A$124,299.00 18.61% $37,969.00

2 1 Citigroup 73,291.00 17 29,863.00

3 7 Bank One 48,819.00 10.31 20,292.00

4 3 Chase Man 56,399.00 -1.01 5,818.00

5 5 First Uni 40,669.50 12.1 20,424.10

6 9 Wells Far 29,067.00 10.06 21,251.00

7 8 Fleet Fin 29,479.00 17.46 8,251.00

8 10 U.S. Banc 17,654.00 7.07 11,137.00

9 13 KeyCorp, 15,363.70 24.12 10,928.30

10 19 SunTrust 20,714.10 45.35 10,339.30

11 12 Bank of N 19,841.20 14.08 3,452.00

12 11 BankBosto 25,104.50 5.37 5,588.50

13 16 PNC Bank 19,246.70 20.11 5,575.70

14 22 National 14,667.60 15.1 9,878.80

15 17 Wachovia 14,344.20 8.28 9,032.50

16 18 Comerica 17,850.10 18.3 6,126.00

17 20 Bankers T 10,312.00 13.42 1,393.00

18 14 J.P. Morg 12,822.20 -11.65 1,246.30

19 23 Mellon Ba 11,983.70 16.09 2,272.80

20 26 SouthTrus 6,481.10 37.32 11,403.70

21 24 Unionbanc 11,542.00 23.58 3,552.40

22 25 ABN-Amro 11,478.40 26.54 5,213.30

23 34 Firstar C 6,620.90 7.34 5,807.70

24 32 HSBC Amer 6,999.20 36.22 3,103.30

25 38 Regions F 3,861.40 24.59 6,974.30

26 29 BB&T Corp 3,187.70 15.81 6,806.00

27 28 Huntingto 4,411.10 10.01 4,147.80

28 33 Mercantil 4,708.50 30.07 4,486.90

29 30 Summit Ba 5,973.50 27.74 3,217.60

30 47 Union Pla 3,535.80 17.36 5,582.00

31 27 Republic 4,512.00 3.95 2,271.30

32 35 Fifth Thi 3,101.90 13.69 2,443.50

33 37 Harris Ba 5,852.90 15.08 1,117.00

34 39 M & T Ban 2,872.80 12.33 5,312.50

35 37 Marshall 3,649.80 22.91 3,877.10

36 NR Zions Ban 2,469.70 -4.6 4,515.60

37 40 Northern 4,493.10 13.12 708.3

38 NR First Ame 3,247.10 16.28 2,725.70

39 43 Amsouth B 2,742.90 -9.1 3,339.00

40 42 First Mar 3,261.10 9.57 2,277.90

41 44 State Str 2,239.60 6.38 100.8

42 50 First Sec 2,562.30 18.87 2,168.90

43 46 Pacific C 3,417.20 15.18 1,953.90

44 48 Popular I 3,842.00 28.28 1,384.00

45 NR BancWest 2,062.90 16.93 2,465.80

46 49 Michigan 3,385.70 17.92 2,427.10

47 NR Compass B 2,366.60 37.27 2,571.60

48 NR Hibernia 3,060.00 32.98 1,553.60

49 NR Old Kent 2,450.80 3.13 2,301.60

50 NR Synovus F 1,740.70 15.62 2,951.60

Totals an $734,058 14.12% $329,600

Aggregate $898,800 12.92 $580,100

part 4 of 4

Lease

Financing

Rank Receivables

Dec-98 Dec-97 % Chg. 12/31/98 % Chg.

1 2 Bank of A 2.50% $19,849.00 41.73%

2 1 Citigroup 18.73 4,821.00 2.07

3 7 Bank One 19.2 15,109.00 24.58

4 3 Chase Man -19.35 10,014.00 7.14

5 5 First Uni 2.64 11,950.10 17.83

6 9 Wells Far -19.53 6,381.00 28.44

7 8 Fleet Fin -7.58 4,287.00 26.03

8 10 U.S. Banc 7.25 2,271.00 13.21

9 13 KeyCorp, 15.05 8,194.10 36.43

10 19 SunTrust 17.67 874.4 9.44

11 12 Bank of N 1.77 3,406.00 31.4

12 11 BankBosto 0.09 2,026.60 0.24

13 16 PNC Bank 7.85 2,089.90 39.57

14 22 National 2.36 2,675.90 43.28

15 17 Wachovia 5.4 1,879.10 71.74

16 18 Comerica 24.89 646.7 25.06

17 20 Bankers T -36.77 491 84.59

18 14 J.P. Morg -20.91 191 0

19 23 Mellon Ba 50.57 2,947.60 7.37

20 26 SouthTrus 29.54 987.1 32.62

21 24 Unionbanc 4.28 1,044.20 19.2

22 25 ABN-Amro 23.4 1,195.20 46.66

23 34 Firstar C 15.81 2,570.10 365.4

24 32 HSBC Amer 38.8 33.9 74.63

25 38 Regions F 27.91 216.2 -2.77

26 29 BB&T Corp 9.07 981.9 59.32

27 28 Huntingto 10.78 1,937.80 19.05

28 33 Mercantil 15.8 143.1 -10.87

29 30 Summit Ba 2.99 809.9 -7.39

30 47 Union Pla 24.17 63.6 -41.14

31 27 Republic 6.92 18.1 -9.42

32 35 Fifth Thi 53.96 3,616.50 21.92

33 37 Harris Ba 12.21 333.1 69.65

34 39 M & T Ban 16.04 476 6.32

35 37 Marshall 9.4 613.4 25.42

36 NR Zions Ban 19.75 189.4 2.95

37 40 Northern 8.57 528.3 52.24

38 NR First Ame 9.39 398.2 26.49

39 43 Amsouth B 31.74 389.8 21.16

40 42 First Mar -1.27 859.2 11

41 44 State Str 21.12 1,331.70 37.98

42 50 First Sec 37.25 1,306.20 26.75

43 46 Pacific C -5.31 496.7 14.63

44 48 Popular I 16.01 660 12.82

45 NR BancWest 2.73 1,358.50 24.99

46 49 Michigan 8.87 49 -47.03

47 NR Compass B 41.28 170.6 167.65

48 NR Hibernia 17.95 33.7 8.47

49 NR Old Kent 10.71 163.6 -4.6

50 NR Synovus F 17.13 21.7 271.95

Totals an 7.93% $123,101 26.31%

Aggregate 10.5 $125,100 24.48

part 5 of 5

All Other Business loans

Loans to As a % of All

Rank Business Loans

Dec-98 Dec-97 12/31/98 % Chg. 12/98 12/97

1 2 Bank$26,633.00 14.93% 57.10% 56.86%

2 1 Citi26,620.00 61.83 51.45 57.84

3 7 Bank14,615.00 36.36 63.39 54.92

4 3 Chas24,388.00 6.92 55.93 57.19

5 5 Firs 8,596.50 -9.62 60.33 49.07

6 9 Well 7,048.00 10.71 47.91 43.36

7 8 Flee 5,357.00 65.76 64.7 64.77

8 10 U.S. 6,174.00 25.87 62.98 61.75

9 13 KeyC 1,576.60 -8.61 58.15 55.32

10 19 SunT 3,005.30 -18.51 53.67 53.14

11 12 Bank 7,970.30 -0.82 90.32 89.31

12 11 Bank 1,312.00 -11.05 79.5 74.74

13 16 PNC 4,952.60 30.64 52.33 46.69

14 22 Nati 2,597.60 8.2 48.47 47.57

15 17 Wach 2,050.00 -18.91 59.72 57.56

16 18 Come 2,320.40 16.56 87.91 84.64

17 20 Bank11,347.00 25.35 94.9 96.54

18 14 J.P. 9,267.30 -29.3 92.28 93.06

19 23 Mell 1,984.10 -13.55 59.77 57.88

20 26 Sout 161.8 -9.62 67.97 63

21 24 Unio 2,514.00 -0.79 76.77 71.14

22 25 ABN- 614.6 19.03 47.61 41.68

23 34 Firs 1,195.40 -9.51 59.08 56.45

24 32 HSBC 1,842.70 45.9 49.91 40.03

25 38 Regi 824.4 39.39 46.76 42.57

26 29 BB&T 184.3 -15.05 47.1 47.21

27 28 Hunt 457 18.35 55.01 55.5

28 33 Merc 1,308.20 17.82 47.69 41.97

29 30 Summ 276.1 -44.14 48.64 48.61

30 47 Unio 786.8 47.35 49.8 42.68

31 27 Repu 2,976.70 -9.93 71.62 79.51

32 35 Fift 612.8 35.8 53.5 57.65

33 37 Harr 2,071.70 11.44 62.09 57.35

34 39 M & 489 -12.6 57.94 61.27

35 37 Mars 575.2 9.97 63.27 60

36 NR Zion 314.3 36.27 70.43 77.41

37 40 Nort 1,327.90 -27.08 51.63 53.81

38 NR Firs 649.2 1 59.78 57

39 43 Amso 519.5 14.13 53.63 51.23

40 42 Firs 529.2 60.83 65.05 60.45

41 44 Stat 3,229.70 5.61 99.11 99.21

42 50 Firs 602.7 24.97 47.38 48.69

43 46 Paci 427.6 -4.12 65.27 63.44

44 48 Popu 396 -34.22 48.03 45.46

45 NR Banc 125.2 4.54 53.02 50.72

46 49 Mich 86.4 3.85 74.16 72.08

47 NR Comp 553.1 18.29 56.06 45.53

48 NR Hibe 692.8 55.1 53.37 50.75

49 NR Old 232.5 16.45 46.19 49.61

50 NR Syno 205.3 14.17 65 63.71

Tota$194,597 22.76% 61.07% 59.16%

Aggr$302,200 12.34 58.73 56.90

Source: Sheshunoff Information Services, a Thomson Financial Co., and American Banker research. (1) Owned by a foreign based banking institution; NR - not ranked in 1997. 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. Percentage Total Business Loans Nonperforming reflects all business loans which are 90 plus days past due and or placed on a nonaccrual basis. 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 regardless of purposes and regardless of whether originated by the holding company or its subsidiaries or purchased from others, that are secured by real estate (other than 1-4 family residential mortgage loans and home equity lines) 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). American Banker has restated 1997 data for the following mergers: (a) NationsBank- BankAmerica, (b) Citicorp-Travelers, (c) Norwest-Wells Fargo, (d) BancWest- First Hawaiian, (e) Acquisition of Argentbank and Peoples Holding Corp., (f) Compass purchase of 3 institutions, (g) BancOne-First Chicago NBD, (h) Acquisition of Fort Wayne and First of America, (i) Acquisition of Crestar, (j) Firstar-StarBanc merger and acquisition of Great Financial and Trans Financial, (k) Acquisition of Onbancorp, (l) Acquisition of Norwich Financial, (m) Acquisition of First Evergreen Corp., (n) Acquisition of Sumitomo Bank of California, (o) Acquisition of CitFed and State Savings, (p) Comerica acquisitions, (q) Acquisition of NSS Bancorp, (r) Acquisition of Franklin Bancorp, Main Street Financial and Maryland Federal, (s) Acquisition of First Commercial, Palfed and 10 other deals, (t) Acquisition of Magna Group, Peoples First, Ambanc Corp. and 14 other deals. American Banker 1999 ===

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