Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 11

SELECTED INDICATORS FOR OTS-REGULATED PRIVATE-SECTOR THRIFT INSTITUTIONS

BY FDICIA CATEGORY

___________________________________________________________________________________________________________________________________________________________________________

| FOURTH QUARTER 1997:

WELL-

ADEQUATELY

UNDER-

INDUSTRY

CAPITALIZED

| NUMBER OF THRIFT INSTITUTIONS:

1,183

1,215

|___________________________________________________________________________________________________________________________________________________________________________|

___________________________________________________________________________________________________________________________________________________________________________

Total Assets ($ Billions)

$767.94

$8.68

$0.01

$776.63

Tier 1 Leverage Ratio (Percent)

7.61

6.03

3.07

7.59

Median Ratio

9.44

5.47

3.07

9.22

Total Risk-based Capital Ratio (Percent)

14.67

8.99

9.43

14.59

Median Ratio

18.94

9.46

9.43

18.62

Return on Average Assets (Percent Annualized)

0.89

0.95

-2.09

0.89

Median Ratio

0.80

0.66

-2.09

0.79

Net Interest Margin (Percent Annualized)

2.84

3.52

1.51

2.85

Median Ratio

3.18

3.32

1.51

3.18

Number of Profitable Thrifts

1,089

1,111

Profits ($ Millions)

$1,788.27

$22.77

$0.00

$1,811.03

Number of Unprofitable Thrifts

104

Losses ($ Millions)

($110.35)

($2.51)

($0.05)

($112.91)

Valuation Allowances (Percent of Total Assets)

0.78

0.83

0.34

0.78

Troubled Assets (Percent of Total Assets)

0.99

1.63

2.05

1.00

Asset Growth Rate (Percent Annualized)

9.93

12.17

-18.92

9.95

|___________________________________________________________________________________________________________________________________________________________________________|

BY OTS EXAMINATION RATING

___________________________________________________________________________________________________________________________________________________________________________

| FOURTH QUARTER 1997:

CAMELS 1 AND 2

CAMELS 3

CAMELS 4 AND 5

INDUSTRY

| NUMBER OF THRIFT INSTITUTIONS:

1,087

1,215

|___________________________________________________________________________________________________________________________________________________________________________|

___________________________________________________________________________________________________________________________________________________________________________

Total Assets ($ Billions)

$723.52

$44.71

$1.58

$776.63

Tier 1 Leverage Ratio (Percent)

7.59

7.01

7.50

7.59

Median Ratio

9.51

7.04

6.10

9.22

Total Risk-based Capital Ratio (Percent)

14.60

13.28

13.14

14.59

Median Ratio

19.19

13.83

11.53

18.62

Return on Average Assets (Percent Annualized)

0.87

0.94

-0.22

0.89

Median Ratio

0.83

0.62

-0.03

0.79

Net Interest Margin (Percent Annualized)

2.83

2.72

2.55

2.85

Median Ratio

3.18

2.98

3.17

3.18

Number of Profitable Thrifts

1,016

1,111

Profits ($ Millions)

$1,651.59

$126.10

$0.70

$1,811.03

Number of Unprofitable Thrifts

104

Losses ($ Millions)

($87.87)

($22.05)

($1.59)

($112.91)

Valuation Allowances (Percent of Total Assets)

0.73

1.41

4.78

0.78

Troubled Assets (Percent of Total Assets)

0.80

3.72

15.51

1.00

Asset Growth Rate (Percent Annualized)

9.67

6.83

-0.41

9.95

|___________________________________________________________________________________________________________________________________________________________________________|

Twenty-one de novo Thrifts have not been assigned a rating.

They reported total assets of $7.5 billion and net income of $36 million.

All data exclude self-liquidating thrifts.

See Technical Notes for details.

All data prior to June 1996 are unconsolidated, except where noted.

Numbers may not sum due to rounding.

Office of Thrift Supervision / March 1998

T-11