TABLE 1


Dollars per Household (in 1992 dollars) 1983 1989 1992
Consumer Debt (  dollars) Household Debt (  dollars) Disposable Income (  dollars) Consumer Debt (  dollars) Household Debt (  dollars) Disposable Income (  dollars) Consumer Debt (  dollars) Household Debt (  dollars) Disposable Income (  dollars)
Income (1992 dollars)
Less than 10,0001,5803,8347,0421,7423,7376,1942,3622,3622,362
10,000-19,9992,7807,11216,3513,4487,27115,2765,0745,0745,074
20,000-29,9994,96214,10727,2676,33016,88026,3337,7797,7797,779
30,000-49,9995,78124,48542,81311,24532,92240,3449,4859,4859,485
Less than 50,000, combined3,98113,47725,2535,98116,11022,9816,2396,2396,239

All figures in 1992 dollars. Sources: Moss and Johnson, The Rise of Consumer Bankruptcy: Evolution, Revolution, or Both?, Appendix A; Glenn B. Carter, Arthur B. Kennickell, and Charles A. Luckett, “Household Sector Borrowing and Burden of Debt,” Federal Reserve Bulletin, Vol. 81, No. 4 (April 1995), tables 1, 4, and 6, at 326, 330, 332, Economic Report of the President (Washington, GPO 1998), tables B-31, B-62, and B-77, at 318, 352, 350, 372.

















TABLE 2


BANKRUPTCY FILINGS BY STATE PER 1,000 HOUSEHOLDS
1997
  1. Tennessee25.58
  2. Georgia22.65
  3. Nevada20.99
  4. Alabama20.85
  5. Mississippi19.55
  6. California18.75
  7. Utah18.56
  8. Oklahoma17.75
  9. Virginia16.94
10. Indiana16.55
11. Arkansas16.32
12. Idaho15.81
13. Washington15.28
14. New Jersey14.66
15. Louisiana14.65
16. Illinois14.65
17. Rhode Island14.57
18. Kentucky14.56
19. Arizona14.49
20. Oregon14.33
21. Kansas13.31
22. Florida12.87
23. Missouri12.67
24. Ohio12.59
25. Colorado12.41
26. New Mexico11.96
27. West Virginia11.92
28. Minnesota11.38
29. Hawaii11.36
30. New Hampshire11.12
31. District of Columbia11.12
32. New York11.09
33. Michigan11.05
34. Connecticut11.03
35. Wyoming10.90
36. Texas10.37
37. Montana10.30
38. Massachusetts10.28
39. Wisconsin9.81
40. Delaware9.49
41. Nebraska9.39
42. Pennsylvania9.35
43. North Carolina9.26
44. Iowa8.90
45. Maine8.74
46. South Dakota8.60
47. Vermont8.38
48. South Carolina8.10
49. North Dakota7.94
50. Alaska6.29


















TABLE 3


Bankruptcy Filings by State per 1,000 Households, 1991-1997
State 1991 1992 1993 1994 1995 1996 1997
Alabama18.6717.2415.4214.8916.6419.5020.85
Alaska5.485.144.504.304.505.726.29
Arizona14.3614.1312.0310.129.8612.0214.49
Arkansas9.259.077.617.399.9913.8816.32
California13.2315.0614.4713.2013.4416.5418.75
Colorado13.0711.9310.009.049.3510.9212.41
Connecticut6.417.687.396.897.469.1911.03
Delaware4.816.225.704.686.217.429.49
District of Columbia5.535.885.295.856.448.4311.12
Florida9.389.747.947.798.2710.5112.87
Georgia21.2118.4316.1315.9117.3620.3322.65
Hawaii3.013.833.984.215.307.9611.36
Idaho11.2010.709.288.339.8412.6315.81
Illinois10.0810.049.258.839.9012.5214.65
Indiana13.3312.8110.7610.0810.7813.5316.55
Iowa5.815.784.995.056.037.908.90
Kansas10.249.458.298.209.3911.5213.31
Kentucky11.1310.218.458.359.8712.7214.56
Louisiana9.109.198.168.129.4513.0014.65
Maine4.904.703.973.704.596.368.74
Maryland8.279.308.698.389.6713.0116.95
Massachusetts6.447.586.746.256.497.6410.28
Michigan7.367.736.786.306.978.8911.05
Minnesota10.559.938.657.998.5310.3411.38
Mississippi13.8313.0011.0010.4312.2616.0819.55
Missouri9.489.307.537.338.2510.7712.67
Montana6.856.435.865.806.868.2310.30
Nebraska7.516.896.025.646.078.409.39
Nevada14.6515.5514.8112.7513.3917.0120.99
New Hampshire9.409.218.657.227.458.4211.12
New Jersey7.948.938.568.349.7011.8014.66
New Mexico8.047.996.665.937.149.4811.96
New York6.867.777.427.067.659.2311.09
North Carolina6.605.764.934.995.827.949.26
North Dakota 5.195.204.554.855.366.847.94
Ohio10.819.958.317.618.1510.4512.59
Oklahoma12.8611.8510.8810.4711.2214.5917.75
Oregon12.5612.0710.9210.5911.5313.3714.33
Pennsylvania5.015.444.694.475.347.089.35
Rhode Island9.059.758.727.988.8711.4614.57
South Carolina5.805.574.884.905.527.108.10
South Dakota5.915.575.304.565.377.008.60
Tennessee22.6520.7019.0517.8219.3523.8925.58
Texas7.687.966.796.347.178.9210.37
Utah14.9214.3511.7210.9811.8014.5418.56
Vermont4.474.613.863.774.736.048.38
Virginia12.0811.9410.549.8311.4214.3216.94
Washington9.489.558.588.5610.0813.3815.28
West Virginia6.136.425.145.215.928.4211.92
Wisconsin6.846.455.685.686.628.319.81
Wyoming9.017.716.846.616.829.7110.90

Bankruptcy filings are for 12-month periods ending 12/31. Households are mid-year estimates provided by the Bureau of the Census, except for 1997 which was estimated by the Bankruptcy Judges Division of the Administrative Office of the United States Courts.

















TABLE 4


National CEBA Credit Card Banks With No Retail Affiliates
Charter Number Credit Card Bank Name
(Ultimate Parent)
City, State
Control Number
(Date Approved, if an organization) 		Date Opened
OPENED
15033Advanta National Bank USA
[formerly Colonial National Bank USA]
(Advanta)
Wilmington, DE
[Relocated from Claymont on 12/02/96]
[grandfathered non-bank bank, status to non-bank bank consummated 01/21/82]		12/14/62
22277Associated National Bank (Delaware)
(Ford Motor Corp.)
Wilmington, DE
90WE010008		04/05/91
22474Beneficial National Bank USA
(Beneficial Financial Corp.)
Wilmington, DE
91NE010008		02/21/92
21099Dial National Bank
(Norwest Financial Services, Inc.)
Des Moines, IA
85MW010016		12/01/88
22869Firstar Bank U.S.A., National Assocation
[formerly Firstar Credit Card Bank, National   Association]
(Firstar Corporation)
Waukegan, IL
95CE010002		07/03/95
23125First Financial Card Services Bank, Nation   Association
(First Financial Corporation)
Stevens Point, WI
1996CE010022		07/19/96
23342First Union Direct Bank, National   Association
(First Union Corporation)
Augusta, GA
[Relocated from Atlanta on 06/02/97]
1997ML010001 &
1997ML020015		06/02/97
18767Household Bank (Illinois), National   Association
[formerly HRSI, National   Association]
(Household International Financial Company)
Prospect Heights, IL
88CE010021		04/02/90
18818Household Bank (Nevada), National   Association
(Household International Financial Company)
Las Vegas, NV
92WE010003		04/01/93
22675Household Bank (SB), National   Association
(Household International Financial Company)
Las Vegas, NV
93WE010004		12/01/93
18788JCB Bank, National   Association
JCB International Credit Card Company (Ltd)
(JCB USA)
Los Angeles, CA
91WE010005		05/03/93
23227PNC National Bank
(PNC Bank)
Wilmington, DE
96NE010021		12/20/96
22028Providian National Bank
[formerly First Deposit National Credit Card Bank]
(Providian Corporation)
Concord, NH
89NE010007		12/28/90
22974UMB U.S.A., National   Association
(UMB Financial Corporation)
United Missouri Bank, N.A.
Falls City, NE
95MW010025		05/01/96
23116United Credit National Bank
(United Insurance Companies, Inc.)
Sioux Falls, SD
96MW010011		02/03/97
22791Universal Bank, National   Association
(AT&T Corporation)
Columbus, GA
95SE010007/94SE110001		01/01/95
22863Wells Fargo Bank (Arizona), National   Associationa
(Wells Fargo Bank)
Phoenix, AZ
95ML010001		06/08/95
22696Whirlpool Financial National Bank
(Whirlpool Corporation)
New Castle, DE
93NE010007		10/01/94
IN ORANIZATION
None
PROPOSED
23320First Annapolis Bank, National   Association
(First Annapolis Consulting, Inc.)
Newark, DE
97NE010001
23363TCM Bank, National   Association
(IBAA)
Tampa, FL
97SE010012
23169United Credit Card Bank, National   Association
(United Companies Financial Corporation)
Baton Rouge, LA
96SW010014


















TABLE 5


National CEBA Credit Card Banks With Retail Affiliates
Charter Number Credit Card Bank Name
(Ultimate Parent)
City, State
Control Number (Date Opened)
(Date Approved, if in organization) 		Retail Affiliate
OPENED
23139Chevron Credit Bank, National   Association
(Chevron U.S.A., Inc.)
Murray, UT
96WE010004 (12/13/96)		Chevron
22594Credit First National   Association
(Bridgestone/Firestone, Inc.)
Brook Park, Ohio
92CE010010 (10/19/93)		Bridgestone
Firestone
18777Dillard National Bank
(Dillard Department Stores)
Dillard Investment Company
Gilbert, AZ
[Relocated from Phoenix on 12/30/96]
90WE010009 (06/18/91)		Dillard Department Stores
22734Direct Merchants Credit Card Bank, National   Association
(Fingerhut Companies, Inc.)
Salt Lake City, UT
94WE010001 (02/14/95)		Fingerhut Companies
23097DSRM National Bank
(Diamond Shamrock Inc.)
Diamond Shamrock Refining & Marketing Co.
Albuquerque, NM
96SW010005 (10/01/96)		Diamond Shamrock Gas Stations
23154Eaglemark Bank, National   Association
(Eaglemark Financial Services, Inc.)
Carson City, NV
96WE01005 (08/25/97)		Harley-Davidson
22579FDS National Bank
(Federated Department Stores)
Deerfield Township, Ohio
92CE010007 (9/8/93)		Bloomingdales
Abraham & Straus
Jordan Marsh
Bon Marche
Burdines
Lazarus
Rich's/Goldsmith
Stern's
23083Fingerhut National Bank
(Fingerhut Companies, Inc.)
Sioux Falls, SD
96MW010006 (11/11/96)		Fingerhut Companies
21688First Consumers National Bank
(Spiegel, Inc.)
Beaverton, OR
87WE010031 (12/12/88)		Spiegel
Eddie Bauer
22196First North American National Bank
(Circuit City Stores, Inc.)
Marietta, GA
90SE010005 (11/19/90)		Circuit City Stores
22465JCPenney Card Bank, National   Association
(JC Penney Company)
Harrington, DE
91NE010007 (07/16/93)		J C Penney Stores
3883JCPenney National Bank
(JC Penney Company)
Harrington, DE
[Grandfathered non-bank bank, opened 5/9/1888,
non-bank bank status approved 06/26/1983]		J C Penney Stores
21920May National Bank of Arizona
(May Department Stores, Inc.)
Tempe, AZ
88MW010016 (04/01/91)		Meier & Frank
Robinson's - May
L.S. Ayres
Famous - Barr
21922May National Bank of Ohio
(May Department Stores, Inc.)
Lorain, OH
[Relocated from Parma on 10/01/96]
88MW010018 (05/01/91)		Hecht's
Lord & Taylor
Strawbridge
Kaufmann's
22473MCFC National Bank
(Mobil Corporation)
Lenexa, KS
91MW010005 (05/31/95)		Mobil Oil Company
23324Mercantile Stores National Bank
(MERSCO Finance Corporation)
Baton Rouge, LA
97SW010001 (06/24/97)		Mercantile Stores
Company, Inc.
22894National Bank of the Great Lakes
(Carson Pirie Scott & Company)
Elmhurst, IL
[Relocated from Hillside on 06/27/97]
95CE010005 (02/04/96)		Carson Pirie Scott
Department Stores
22195Nordstrom National Credit Bank
(Nordstrom, Inc.)
Englewood, CO
90WE010006 (08/30/91)		Nordstrom Department Stores
22549Retailers National Bank
(Dayton Hudson Corporation)
Sioux Falls, SD
92MW010002 (01/07/94)		Target
Mervyn's
Dayton's
Marshal Field's
Hudson's
20670Sears National Bank
[formerly American National Bank of Arizona]
(Sears, Roebuck and Company)
Tempe, AZ
[Relocated from Phoenix on 03/31/97]
93WE110005
[“Converted” from a commercial to a CEBA
credit card bank on 1/31/94]		Sears
22183Spirit of America National Bank
(Charming Shoppes, Inc.)
Milford, OH
90CE010001 (09/04/91)		Fashion Bug
Fashion Bug Plus
22568Pier One National Bank
(Pier One Imports)
Omaha, NE
[formerly Texico Credit Card Bank, National
Association, owned by Texico Oil Company.
Change in bank control consummated 05/01/97]
92MW010004 (12/01/94)		Pier One Imports
21739World Financial Network National Bank
(The Limited, Inc.)
Whitehall, OH
88CE010002 (05/01/89)		The Limited
Limited Express
Lerner
Lane Bryant
Victoria's Secret
Lerner Woman
Henri Bendel
Brylane (Catalog Sales)
IN ORGANIZATION
23403Jewelers National Bank
(Zale Corporation)
Tempe, AZ
97WE010002 (08/04/97)		Zale Jewelry Stores
PROPOSED
23323Cedar Hill National Bank
(Cato Corporation)
Lawrenceville, GA
97SE010002		Cato Clothing Stores


















TABLE 6


Other Credit Card Banks, Non-Bank Banks, and Banks Approved as Wholesale and Limited Purpose Banks Under CRA
Charter Number Bank Name
City, State
Control Number (if any)
(Date Charter Approved if known) 		Date Opened
18174American Investment Bank, National   Association
Salt Lake City, UT
{10/28/83}		04/02/84
16595Avco National Bank
(Avco Enterprises, Inc.)
Costa Mesa, CA
[Relocated from Anaheim on 08/30/95]
{06/30/82}		07/16/82
23239BankBoston (NH), National   Association
(Bank of Boston Corporation)
Nashua, NH
{12/20/96}		04/24/97
17112Banker's Trust Florida, National   Association
Palm Beach, FL		11/09/81
23160The Chase Manhattan Bank, USA, National   Association
Wilmington, DE
96WE010014
{08/09/96}		 08/19/96
18021Comerica Bank-Midwest, National   Association
Toledo, OH
{08/02/83}		 12/15/83
16971Citibank (South Dakota), National   Association
Sioux Falls, SD		 02/19/81
20500Commerce Bank, National   Association
Omaha, NE
84MW010226
{05/16/85}		 10/01/85
20612Delta National Bank and Trust Company of Florida
Miami, FL
84SE010273
{03/29/85}		02/02/87
20547Delta National Bank and Trust of New York
New York, NY
84NE010396
{03/29/85}		 03/17/86
22404EFS National Bank
(Concord Cumputing Corporation)
Memphis, TN
91SE010002
{01/13/92}		 12/01/92
17762FCC National Bank
Wilmington, DE
{03/03/83}		 05/11/83
1333First Deposit National Bank
Tilton, NH
(Non-bank bank status approved 05/18/1981)		 06/23/1865
20291First National Bank of Marin
San Rafael, CA
84WE010244
{07/09/84}		 07/30/84
17295First Omni Bank, National   Association
Millsboro, DE		 05/07/82
23177Fleet Bank (Delaware), National   Association
Wilmington, DE
(Fleet Financial Group)
1996ML010004
{11/07/96}		 05/06/97
22908Key Bank USA, National   Association
Cleveland, OH
95CE010012
{06/08/95}		 09/05/95
22381MBNA America Bank, National   Association
(Maryland Bankcorporation)
Wilmington, DE
[Relocated from Newark on 06/01/96]
91NE010001
{01/28/91}		 01/29/91
22859M & T Bank, National   Association
Oakfield, NY
94NE010015
{06/29/95}		 10/02/95
22279NationsBank of Delaware, National   Association
(NationsBank Corporation)
Dover, DE
90ML010001
{08/08/90}		 12/13/90
20010Pacific National Bank
Miami, FL
84SE010204
{06/18/84}		 07/22/85
20962The Park Avenue Bank, National   Association
New York, New York
85NE010013
{11/18/85}		 11/06/87
22670PNC Mortgage Bank, National   Association
Pittsburgh, PA
93NE010004
{11/24/93}		 11/30/93
22626SunTrust BankCard, National   Association
Orlando, FL
93SE010001
{04/23/93}		 07/06/93
22413U.S. Trust Company of California, National   Association
Los Angeles, CA
91WE020004
{03/08/91}		 03/08/91
18782U.S. Trust Company of Texas, National   Association
Dallas, TX
90SW020096
{12/07/90}		 12/07/90
22611Waterhouse National Bank
White Plains, NY
92NE010006
{08/19/93}		 10/13/94
22897Wells Fargo HSBC Trade Bank, National   Association
San Francisco, CA
95ML010003
{06/16/95}		 10/05/95
Proposed
23401Credicard National Bank
San Antonio, TX
(Steward Armstrong)
97SW010007