Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 18

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 (% Total Assets)

0.79%

1.06%

0.78%

1.06%

0.70%

0.81%

Percent of Outstanding Loans by Loan Type:

Mortgage Loans

Construction & Land Loans

1.03

1.73

1.87

1.40

0.85

1.48

Nonresidential Mortgages

1.21

1.54

1.22

1.27

0.75

1.10

Multifamily Mortgages

0.55

1.12

0.51

0.54

0.33

0.40

1-4 Family Mortgages

1.19

1.22

0.99

1.65

1.04

1.13

Nonmortgage Loans and Leases

Commercial Loans

1.82

2.13

1.22

1.23

1.15

1.43

Consumer Loans

2.53

3.20

1.76

1.65

2.08

2.10

|___________________________________________________________________________________________________________________________________________________________________________|

| NONCURRENT LOANS (% Total Assets)

1.19%

0.74%

0.55%

0.50%

0.75%

0.77%

Percent of Outstanding Loans by Loan Type:

Mortgage Loans

Construction & Land Loans

1.56

1.30

1.61

0.86

0.85

1.23

Nonresidential Mortgages

2.87

0.93

0.83

0.89

1.63

1.62

Multifamily Mortgages

2.52

0.91

0.78

0.46

0.49

0.79

1-4 Family Mortgages

1.92

0.94

0.68

0.69

1.12

1.11

Nonmortgage Loans and Leases

Commercial Loans

1.87

1.07

0.67

1.28

0.73

1.10

Consumer Loans

0.86

1.82

1.10

0.84

0.59

0.97

|___________________________________________________________________________________________________________________________________________________________________________|

| NET CHARGE-OFFS (% Total Assets)

0.05%

0.09%

0.07%

0.05%

0.06%

Percent of Outstanding Loans by Loan Type:

Mortgage Loans

Construction & Land Loans

0.09

0.10

0.05

0.02

0.04

0.06

Nonresidential Mortgages

0.05

0.04

0.02

-0.01

-0.16

-0.04

Multifamily Mortgages

0.08

0.03

-0.01

0.00

-0.01

0.01

1-4 Family Mortgages

0.03

0.01

0.04

0.03

Nonmortgage Loans and Leases

Commercial Loans

0.14

0.08

0.09

0.20

0.13

Consumer Loans

0.35

0.84

0.46

0.52

0.48

0.50

Repossessed Assets

2.21

2.71

1.10

1.70

2.81

2.38

Other

0.13

0.09

0.56

0.05

0.24

0.25

|___________________________________________________________________________________________________________________________________________________________________________|

| REPOSSESSED ASSETS, NET (% Total Assets)

0.23%

0.41%

0.13%

0.19%

0.27%

0.23%

Percent of Outstanding Loans by Loan Type:

Construction & Land Loans

1.38

3.52

0.33

0.46

0.77

1.30

Nonresidential Mortgages

1.35

0.98

0.88

0.55

0.57

0.86

Multifamily Mortgages

0.45

1.43

0.16

2.79

0.39

0.50

1-4 Family Mortgages

0.28

0.26

0.15

0.17

0.35

0.27

Other

0.09

0.32

0.19

0.17

0.22

0.19

|___________________________________________________________________________________________________________________________________________________________________________|

| ASSET QUALITY SUMMARY (% Total Assets)

Net Chargeoffs (Annualized)

0.21%

0.38%

0.28%

0.29%

0.19%

0.24%

Net Provisions for Losses (Annualized)

0.20

0.46

0.38

0.18

0.21

0.26

Valuation Allowances

0.63

1.04

0.64

0.63

0.92

0.78

Noncurrent Loans

1.19

0.74

0.55

0.50

0.75

0.77

Repossessed Assets, Net (% Total Assets)

0.23

0.41

0.13

0.19

0.27

0.23

Troubled Assets

1.41

1.15

0.68

0.70

1.02

1.00

|___________________________________________________________________________________________________________________________________________________________________________|

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-18