Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 13

STATEMENT OF CONDITION FOR OTS-REGULATED PRIVATE-SECTOR THRIFT INSTITUTIONS

BY REGION

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| FOURTH QUARTER 1997:

NORTHEAST

SOUTHEAST

CENTRAL

MIDWEST

WEST

INDUSTRY

| NUMBER OF THRIFT INSTITUTIONS:

257

237

363

256

102

1,215

|___________________________________________________________________________________________________________________________________________________________________________|

___________________________________________________________________________________________________________________________________________________________________________

| TOTAL ASSETS ($ Billions)

$153.60

$62.81

$156.92

$91.94

$311.36

$776.63

1 - 4 Family Mortgages

68.50

29.68

80.94

40.59

171.06

390.76

Mortgage Pool Securities

23.56

6.40

14.74

12.70

46.42

103.81

Multifamily Mortgages

6.15

0.86

5.71

2.29

32.46

47.46

Nonresidential Mortgages

7.25

3.62

5.22

3.61

10.54

30.24

Construction Loans

1.28

2.37

2.83

3.30

1.54

11.32

Land Loans

0.28

1.16

0.94

0.59

0.53

3.50

Commercial Loans

2.65

1.11

2.84

1.80

3.10

11.50

Consumer Loans

8.48

4.73

12.90

10.09

8.66

44.86

Cash and Noninterest-Earning Deposits

2.15

1.24

2.19

1.08

4.18

10.85

Investment Securities

26.23

8.45

20.73

10.77

18.87

85.05

Mortgage Derivatives

12.56

2.08

8.85

3.46

9.30

36.25

Repossessed Assets, Net

0.35

0.26

0.20

0.18

0.83

1.81

Real Estate Held for Investment, Net

0.09

0.05

0.13

0.04

0.15

0.47

Office Premises & Equipment

1.49

0.99

1.73

1.00

2.68

7.89

Other Assets

6.04

2.36

6.71

4.46

12.89

32.46

Less: Contra Assets & Valuation Allowances

0.90

0.48

0.90

0.54

2.55

5.37

|___________________________________________________________________________________________________________________________________________________________________________|

___________________________________________________________________________________________________________________________________________________________________________

| TOTAL LIABILITIES AND CAPITAL ($ Billions)

$153.60

$62.81

$156.92

$91.94

$311.36

$776.63

TOTAL DEPOSITS

104.26

46.24

109.55

58.47

189.26

507.78

Deposits less than or equal to $100,000

90.60

38.98

93.28

50.20

153.36

426.43

Deposits greater than $100,000

13.66

7.26

16.26

8.27

35.90

81.35

Escrows

1.45

0.23

1.93

1.69

3.06

8.37

BORROWINGS

32.59

9.14

29.09

22.68

91.39

184.89

Advances From FHLB

20.91

7.23

21.15

15.00

54.22

118.51

Reverse Repurchase Agreements

8.95

1.11

5.70

4.74

17.99

38.49

Other Borrowings

2.73

0.79

2.24

2.94

19.19

27.89

Other Liabilities

1.85

1.01

2.01

1.05

5.01

10.93

Equity Capital

13.43

6.19

14.34

8.05

22.65

64.66

|___________________________________________________________________________________________________________________________________________________________________________|

Beginning in 1997, detailed asset categories are reported net of specific valuation allowances, loans in process, and unamortized yield adjustments.

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-13