Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 14

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 (% of Total Assets)

100.00%

1 - 4 Family Mortgages

44.60

47.25

51.58

44.14

54.94

50.32

Mortgage Pool Securities

15.34

10.19

9.39

13.81

14.91

13.37

Multifamily Mortgages

4.00

1.37

3.64

2.49

10.42

6.11

Nonresidential Mortgages

4.72

5.76

3.33

3.92

3.38

3.89

Construction Loans

0.83

3.77

1.80

3.59

0.50

1.46

Land Loans

0.18

1.85

0.60

0.64

0.17

0.45

Commercial Loans

1.72

1.77

1.81

1.96

0.99

1.48

Consumer Loans

5.52

7.53

8.22

10.97

2.78

5.78

Cash and Noninterest-Earning Deposits

1.40

1.98

1.40

1.18

1.34

1.40

Investment Securities

17.08

13.46

13.21

11.72

6.06

10.95

Mortgage Derivatives

8.18

3.31

5.64

3.77

2.99

4.67

Repossessed Assets, Net

0.23

0.41

0.13

0.19

0.27

0.23

Real Estate Held for Investment, Net

0.06

0.09

0.04

0.05

0.06

Office Premises & Equipment

0.97

1.57

1.10

1.08

0.86

1.02

Other Assets

3.93

3.76

4.28

4.85

4.14

4.18

Less: Contra Assets & Valuation Allowances

0.59

0.76

0.58

0.59

0.82

0.69

|___________________________________________________________________________________________________________________________________________________________________________|

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| TOTAL LIABILITIES

AND CAPITAL (% of Total Assets)

100.00%

TOTAL DEPOSITS

67.88

73.63

69.81

63.59

60.78

65.38

Deposits less than or equal to $100,000

58.99

62.06

59.45

54.60

49.25

54.91

Deposits greater than $100,000

8.89

11.57

10.36

8.99

11.53

10.48

Escrows

0.94

0.37

1.23

1.84

0.98

1.08

BORROWINGS

21.22

14.55

18.54

24.67

29.35

23.81

Advances From FHLB

13.62

11.52

13.48

16.31

17.41

15.26

Reverse Repurchase Agreements

5.83

1.77

3.63

5.15

5.78

4.96

Other Borrowings

1.78

1.26

1.43

3.20

6.16

3.59

Other Liabilities

1.21

1.61

1.28

1.14

1.61

1.41

Equity Capital

8.75

9.85

9.14

8.76

7.27

8.33

|___________________________________________________________________________________________________________________________________________________________________________|

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-14