Exhibit 99.2

Banc One Auto Grantor Trust 1996-B
Annual Statement for Form 10-K
December 31, 1997
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<CAPTION>
                                                                                                                 Dollars
                                                                                                                 -------
<S>                                                                                                          <C>
I.     Amount of 1997 distributions allocable to principal:
       (i)  Class A Certificateholders                                                                        $102,495,504.09
       (ii) Class B Certificateholders                                                                          $4,270,741.24

II.    Amount of 1997 distributions allocable to interest:
       (i)  Class A Certificateholders                                                                         $10,230,756.34
       (ii) Class B Certificateholders                                                                            $436,053.47

III.   Pool Balance as of the close of business on December 31, 1997, after                                   $109,566,137.06
       giving effect to payments allocated to principal reported under (I)
       above

IV.    Aggregate outstanding principal balances and pool factors for each class
       of securities, as of December 31, 1997, after giving effect to all
       payments reported under clause (I) above on such date:
       (a) Class A Certificateholders                                                                         $105,183,397.26
       (b) Class A Pool Factor                                                                                      0.3584262
       (c) Class B Certificateholders                                                                           $4,382,739.80
       (d) Class B Pool Factor                                                                                      0.3584262

V.     Amount of the Total Servicing Fee paid to the Servicer with respect to
       the year ended December 31, 1997
       (i) Total Servicing Fee                                                                                  $1,627,030.15

VI.    Amount of the aggregate Realized Losses, if any, for the year ended December 31, 1997                    $4,684,598.89

VII.   (a) Aggregate amount withdrawn from the Reserve Account and deposited in
           the Collection Account                                                                                       $0.00
       (b) Specified Reserve Account balance as of December 31, 1997                                            $3,560,899.45
       (c) Aggregate Reserve Account release to seller for the year ended December 31, 1997                     $9,600,742.77
       (d) Balance of the Reserve Account as of December 31, 1997                                               $3,560,899.45
       (e) 1997 Average Charge-off Rates                                                                                 1.10%
       (f) 1997 Average of Delinquency Percentages                                                                       0.74%

VIII.  (a) Certificateholder's Interest Carryover Shortfall                                                             $0.00
       (b) Certificateholder's Principal Carryover Shortfall                                                            $0.00

IX.    Aggregate Purchase Amounts paid by the Seller or the Servicer with
       respect to the year ended December 31, 1997                                                                      $0.00

X.     Delinquent Receivables as of December 31, 1997
                                                                            Dollar Amount      %     # Units
                                                                            -------------      -     -------
       (a) 30-59 Days Delinquent                                             $4,646,820      4.24%     626
       (b) 60-89 Days Delinquent                                               $951,339      0.87%     149
       (c) 90 Days or More Delinquent                                          $521,594      0.48%      71
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