+++ Includes mortgages, credit cards, home equity revolving lines of credit and closed-end loans, and other consumer loans (dollars in billions) part 1 of 4

1998 1997

Total Consumer Loans $1,336.40 $1,280.30

Annual % change 4.38 4.58

Percent nonperforming 1.09 1.09

Percent charged off 1.19 1.23

Home Equity Lines 96.7 98.1

Annual % change -1.43 14.6

Percent nonperforming 0.43 0.44

Percent charged off 0.14 0.15

Home Mortgage Loans 668.6 620.8

Annual % change 7.7 8.21

Percent nonperforming 0.88 0.87

Percent charged off 0.07 0.08

Credit Card Loans 229 231.2

Annual % change -0.94 -1.7

Percent nonperforming 2.22 2.14

Percent charged off 5.19 5.06

All Other Consumer Loans 342.1 330.2

Annual % change 3.59 0.16

Percent nonperforming 1.06 0.98

Percent charged off 1.04 1.05

Total Loans (Consumer & Busin$3,238.50 $2,970.80

Annual % change 9.01 5.37

Percent noncurrent 0.96 0.96

Percent charged off 0.64 0.61

part 2 of 4

1996 1995 1994

Total Consumer Loans$1,224.20 $1,161.10$1,057.60

Annual % change 5.44 9.78 13

Percent nonperformin 1.15 1 0.93

Percent charged off 1 0.9 0.72

Home Equity Lines 85.6 79.2 75.8

Annual % change 8.09 4.45 4.3

Percent nonperformin 0.5 0.52 0.54

Percent charged off 0.19 0.19 0.2

Home Mortgage Loans 573.7 546.7 493.1

Annual % change 4.94 10.86 11.3

Percent nonperformin 0.98 0.88 0.91

Percent charged off 0.08 0.11 0.13

Credit Card Loans 235.2 215.8 188.4

Annual % change 8.98 14.56 22

Percent nonperformin 1.92 1.56 1.24

Percent charged off 4.09 3.34 2.65

All Other Consumer L 329.7 319.4 300.3

Annual % change 3.23 6.35 13.1

Percent nonperformin 0.97 0.97 0.87

Percent charged off 0.89 0.65 0.47

Total Loans (Consume$2,819.30 $2,602.70$2,358.20

Annual % change 8.32 10.37 9.6

Percent noncurrent 1.04 1.17 1.3

Percent charged off 0.56 0.49 0.48

part 3 of 4

1993 1992 1991

Total Consumer Loans$935.70 $848.80 $822.60

Annual % change 10.2 3.2 2.3

Percent nonperformin 1.11 1.32 1.5

Percent charged off 0.88 1.13 1.21

Home Equity Lines 72.7 73.3 70.2

Annual % change -0.8 4.4 14.3

Percent nonperformin 0.7 0.72 0.75

Percent charged off 0.26 0.18 0.13

Home Mortgage Loans 443.1 390.1 360.5

Annual % change 13.6 8.2 6.4

Percent nonperformin 1.19 1.43 1.65

Percent charged off 0.19 0.22 0.2

Credit Card Loans 154.4 135.9 139.1

Annual % change 13.6 -2.3 4.1

Percent nonperformin 1.42 1.72 1.87

Percent charged off 3.37 4.5 4.36

All Other Consumer L 265.5 249.5 252.8

Annual % change 6.4 -1.3 -6.3

Percent nonperformin 0.92 1.12 1.28

Percent charged off 0.6 0.93 1.18

Total Loans (Consume$2,150.90$2,031.90$2,052.70

Annual % change 5.9 -1 -2.7

Percent noncurrent 1.99 3.06 3.7

Percent charged off 0.84 1.27 1.61

part 4 of 4

1990 1989

Total Consumer Loans$803.80 $752.10

Annual % change 6.9 10.7

Percent nonperforming

Percent charged off

Home Equity Lines 61.4 50.8

Annual % change 20.9 27

Percent nonperforming

Percent charged off

Home Mortgage Loans 338.9 300.1

Annual % change 12.9 14.7

Percent nonperforming

Percent charged off

Credit Card Loans 133.6 131.5

Annual % change 1.6 12.2

Percent nonperforming

Percent charged off

All Other Consumer L 269.9 269.7

Annual % change 0.1 3.5

Percent nonperforming

Percent charged off

Total Loans (Consume$2,110.20$2,058.20

Annual % change 2.5 6.5

Percent noncurrent 3.7 3

Percent charged off 1.43 1.14

Source: FDIC Quarterly Banking Profile ===

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