Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 17

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ASSET QUALITY INDICATORS FOR OTS-REGULATED PRIVATE-SECTOR THRIFT INSTITUTIONS
BY REGION
___________________________________________________________________________________________________________________________________________________________________________
|
|
| FOURTH QUARTER 1997:
NORTHEAST
SOUTHEAST
CENTRAL
MIDWEST
WEST
INDUSTRY
|
|
|
| NUMBER OF THRIFT INSTITUTIONS:
257
237
363
256
102
1,215
|
|___________________________________________________________________________________________________________________________________________________________________________|
|
|
| LOANS 30-89 DAYS DELINQUENT ($ Millions)
$1,213.99
$664.91
$1,227.74
$970.04
$2,191.24
$6,267.91
|
|
Mortgage Loans
|
|
Construction & Land Loans
16.10
61.16
70.43
54.40
17.61
219.70
|
|
Nonresidential Mortgages
87.69
55.76
63.52
45.88
79.06
331.91
|
|
Multifamily Mortgages
33.54
9.62
29.27
12.28
107.20
191.91
|
|
1-4 Family Mortgages
813.51
363.52
802.95
668.92
1,771.16
4,420.06
|
|
Nonmortgage Loans and Leases
|
|
Commercial Loans
48.26
23.62
34.62
22.21
35.69
164.40
|
|
Consumer Loans
214.89
151.23
226.95
166.35
180.51
939.93
|
|___________________________________________________________________________________________________________________________________________________________________________|
|
|
| NONCURRENT LOANS ($ Millions)
$1,825.22
$463.50
$863.91
$461.75
$2,332.70
$5,947.07
|
|
Mortgage Loans
|
|
Construction & Land Loans
24.31
46.06
60.60
33.51
17.67
182.14
|
|
Nonresidential Mortgages
208.51
33.64
43.57
32.09
171.63
489.44
|
|
Multifamily Mortgages
155.11
7.80
44.69
10.48
157.84
375.91
|
|
1-4 Family Mortgages
1,314.77
277.89
553.99
278.12
1,912.01
4,336.78
|
|
Nonmortgage Loans and Leases
|
|
Commercial Loans
49.38
11.83
19.16
23.01
22.67
126.04
|
|
Consumer Loans
73.14
86.29
141.91
84.55
50.88
436.77
|
|___________________________________________________________________________________________________________________________________________________________________________|
|
|
| NET CHARGE-OFFS ($ Millions)
$79.22
$59.22
$111.48
$66.12
$145.15
$461.18
|
|
Mortgage Loans
|
|
Construction & Land Loans
1.42
3.58
1.84
0.72
0.93
8.49
|
|
Nonresidential Mortgages
3.50
1.35
1.00
(0.19)
(16.78)
(11.14)
|
|
Multifamily Mortgages
4.84
0.28
(0.84)
(0.06)
(1.67)
2.55
|
|
1-4 Family Mortgages
20.53
4.17
7.50
4.70
62.76
99.66
|
|
Nonmortgage Loans and Leases
|
|
Commercial Loans
3.71
0.91
2.48
3.55
4.11
14.75
|
|
Consumer Loans
29.91
39.77
59.83
51.99
41.95
223.44
|
|
Repossessed Assets
7.65
6.96
2.23
3.03
23.36
43.22
|
|
Other
7.67
2.21
37.45
2.38
30.50
80.21
|
|___________________________________________________________________________________________________________________________________________________________________________|
|
|
| REPOSSESSED ASSETS, NET ($ Millions)
$346.35
$256.32
$202.82
$177.56
$831.52
$1,814.56
|
|
Construction & Land Loans
21.45
124.32
12.46
18.00
16.05
192.28
|
|
Nonresidential Mortgages
97.97
35.52
45.84
19.68
60.42
259.43
|
|
Multifamily Mortgages
27.40
12.28
9.22
63.94
125.93
238.76
|
|
1-4 Family Mortgages
194.01
76.75
122.37
68.57
600.60
1,062.30
|
|
Other
5.52
7.46
12.93
7.37
28.52
61.80
|
|___________________________________________________________________________________________________________________________________________________________________________|
|
|
| ASSET QUALITY: REAL ESTATE LOANS ($ Billions)
|
|
Real Estate Loans
$83.46
$37.69
$95.64
$50.37
$216.13
$483.29
|
|
Percent of Total Assets
54.34
60.01
60.95
54.79
69.41
62.23
|
|
Noncurrent Real Estate Loans
$1.70
$0.37
$0.70
$0.35
$2.26
$5.38
|
|
Percent of Total Assets
1.11
0.58
0.45
0.39
0.73
0.69
|
|
Real Estate Owned
$0.34
$0.25
$0.19
$0.17
$0.80
$1.75
|
|
Percent of Total Assets
0.22
0.40
0.12
0.19
0.26
0.23
|
|
Troubled Real Estate Loans
$2.04
$0.61
$0.89
$0.52
$3.06
$7.14
|
|
Percent of Total Assets
1.33
0.98
0.57
0.57
0.98
0.92
|
|___________________________________________________________________________________________________________________________________________________________________________|
All data prior to June 1996 are unconsolidated, except where noted.
Numbers may not sum due to rounding.
Beginning in 1997, net charge-off data include net changes in specific valuation allowances.
Starting in 1997, repossessed asset data are net of specific allowances.
Office of Thrift Supervision / March 1998
T-17

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