Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 15

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

BY REGION

(Percent Change From Same Quarter Prior Year For Current Thrifts)

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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 (% Change)

19.18%

11.95%

9.24%

6.04%

5.29%

9.22%

1 - 4 Family Mortgages

20.03

10.01

10.44

6.24

7.10

10.00

Mortgage Pool Securities

8.39

13.72

-12.69

-11.86

7.29

1.86

Multifamily Mortgages

11.92

2.89

-1.92

14.70

-0.64

1.39

Nonresidential Mortgages

15.03

10.27

3.50

17.58

-12.71

1.57

Construction Loans

-20.63

-30.52

-29.88

-31.59

-30.07

-29.63

Land Loans

-13.18

4.37

-3.23

1.74

-6.87

-1.51

Commercial Loans

44.17

9.96

52.58

22.57

32.82

35.12

Consumer Loans

66.93

-0.77

34.76

6.61

36.64

27.37

Cash and Noninterest-Earning Deposits

40.53

13.60

1.58

9.09

6.40

11.80

Investment Securities

10.12

18.04

13.68

-3.19

-12.46

3.86

Mortgage Derivatives

0.52

18.67

5.67

-27.23

-0.91

-1.40

Repossessed Assets, Net

-3.96

-8.17

27.37

-9.74

-19.40

-10.49

Real Estate Held for Investment, Net

33.54

3.86

3.23

20.08

-12.27

3.16

Office Premises & Equipment

18.00

12.16

10.05

9.90

-3.59

6.51

Other Assets

2.99

-24.03

-21.04

7.65

-15.74

-12.06

Less: Contra Assets & Valuation Allowances

-49.51

-79.09

-66.82

-84.81

-39.53

-63.13

|___________________________________________________________________________________________________________________________________________________________________________|

___________________________________________________________________________________________________________________________________________________________________________

| TOTAL LIABILITIES AND CAPITAL (% Change)

19.18%

11.95%

9.24%

6.04%

5.29%

9.22%

TOTAL DEPOSITS

13.89

9.36

7.07

5.81

0.37

5.80

Deposits less than or equal to $100,000

10.04

7.12

5.03

2.71

-2.20

3.19

Deposits greater than $100,000

48.32

23.12

20.53

29.55

13.08

21.91

BORROWINGS

34.41

18.73

10.02

1.94

13.72

14.84

Advances From FHLB

40.17

41.41

17.88

21.55

23.46

25.77

Reverse Repurchase Agreements

19.45

-28.13

13.10

-26.32

0.54

0.23

Other Borrowings

48.73

-23.38

-35.21

-15.35

3.40

-1.66

Other Liabilities

40.83

25.49

37.22

39.83

35.90

36.80

Equity Capital

25.14

20.60

19.30

11.27

8.47

15.46

|___________________________________________________________________________________________________________________________________________________________________________|

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-15