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part 1 of 3
1998 1997
Total Loans (Consumer & Busines$3,238.50$2,970.80
Annual % change 9.01 5.37
Percent noncurrent 0.96 0.96
Percent net chargeoffs 0.64 0.61
Total Loans - Business 1,906.20 1,690.50
Annual % change 12.76 5.98
Percent noncurrent 0.85 0.86
Percent net chargeoffs 0.25 0.14
Consumer & Industrial Loans 898.8 795.9
Annual % change 12.92 12.06
Percent noncurrent 0.83 0.69
Percent net chargeoffs 0.35 0.21
Lease Financing Receivable 125.1 100.5
Annual % change 24.42 28.25
Percent noncurrent 0.29 0.29
Percent net chargeoffs 0.26 0.25
Secured Commercial Real Estate 580.1 525
Annual % change 10.5 8.36
Percent noncurrent 1.03 1.19
Percent net chargeoffs 0.02 0.02
All Other Business Loans 302.2 269
Annual % change 12.34 -16.44
Percent noncurrent 0.8 0.94
Percent net chargeoffs 0.39 0.13
Business loans as a % of total 58.73 56.9
part 2 of 3
1996 1995 1994 1993
Total Loans$2,819.30 $2,602.70 $2,358.20 $2,150.90
Annual % ch 8.32 10.37 9.64 5.86
Percent non 1.04 1.17 1.3 1.99
Percent net 0.56 0.49 0.48 0.84
Total Loans 1,595.10 1,441.60 1,300.60 1,215.20
Annual % ch 10.65 10.84 7.03 2.71
Percent non 0.96 1.3 1.6 2.67
Percent net 0.22 0.16 0.28 0.81
Consumer & 710.3 661.8 589.7 539.1
Annual % ch 7.33 12.21 9.38 0.44
Percent non 0.79 0.98 1.03 1.71
Percent net 0.16 0.18 0.19 0.62
Lease Finan 78.4 57.5 45.3 37.5
Annual % ch 36.28 27.07 20.73 7.22
Percent non 0.32 0.25 0.24 0.61
Percent net 0.225 0.12 0.09 0.36
Secured Com 484.5 454.9 430 408.2
Annual % ch 6.5 5.8 5.34 0.47
Percent non 1.57 2.15 2.82 4.58
Percent net 0.11 0.26 0.06 1.17
All Other B 321.9 267.4 235.6 230.4
Annual % ch 20.4 13.5 2.27 12.33
Percent non 0.55 0.88 1.08 1.84
Percent net 0.53 -0.04 0.96 0.7
Business lo 56.58 55.4 55.15 56.5
part 3 of 3
1992 1991 1990 1989
Total Loans$2,031.90$2,052.70$2,110.20 $2,058.20
Annual % ch -1.01 -2.72 2.53 6.5
Percent non 3.06 3.7 3.7 3
Percent net 1.27 1.61 1.43 1.14
Total Loans 1,183.10 N/A N/A N/A
Annual % ch -3.82 N/A N/A N/A
Percent non 4.31 N/A N/A N/A
Percent net 1.37 N/A N/A N/A
Consumer & 536.8 N/A N/A N/A
Annual % ch N/A N/A N/A N/A
Percent non 2.97 N/A N/A N/A
Percent net N/A N/A N/A N/A
Lease Finan 35 N/A N/A N/A
Annual % ch N/A N/A N/A N/A
Percent non 1.13 N/A N/A N/A
Percent net N/A N/A N/A N/A
Secured Com 406.3 N/A N/A N/A
Annual % ch N/A N/A N/A N/A
Percent non 6.82 N/A N/A N/A
Percent net N/A N/A N/A N/A
All Other B 205.1 N/A N/A N/A
Annual % ch N/A N/A N/A N/A
Percent non 3.36 N/A N/A N/A
Percent net N/A N/A N/A N/A
Business lo 58.23 59.93 61.91 63.46