Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 23

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

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| FOR THE QUARTER ENDING:

DEC 1993

DEC 1994

DEC 1995

DEC 1996

DEC 1997

| NUMBER OF THRIFT INSTITUTIONS:

1,669

1,543

1,437

1,334

1,215

|___________________________________________________________________________________________________________________________________________________________________________|

___________________________________________________________________________________________________________________________________________________________________________

| TOTAL ASSETS ($ Billions)

$774.77

$774.07

$770.98

$769.37

$776.63

1 - 4 Family Mortgages

354.75

364.02

365.29

383.86

390.76

Mortgage Pool Securities

119.53

127.55

125.46

110.98

103.81

Multifamily Mortgages

53.33

51.27

48.76

48.78

47.46

Nonresidential Mortgages

38.69

34.53

32.88

32.64

30.24

Construction Loans

12.67

13.64

14.74

17.57

11.32

Land Loans

3.72

3.30

3.48

3.78

3.50

Commercial Loans

5.15

5.22

7.20

9.39

11.50

Consumer Loans

35.38

35.91

37.80

39.86

44.86

Cash and Noninterest-Earning Deposits

11.69

10.95

11.62

10.74

10.85

Investment Securities

109.26

101.99

97.42

87.52

85.05

Mortgage Derivatives

43.83

45.16

44.31

38.57

36.25

Repossessed Assets, Net

6.20

3.42

2.51

2.14

1.81

Real Estate Held for Investment, Net

0.60

0.30

0.15

0.48

0.47

Office Premises & Equipment

8.52

8.26

7.94

8.10

7.89

Other Assets

30.71

29.71

30.47

29.67

32.46

Less: Contra Assets & Valuation Allowances

15.43

16.03

14.71

16.14

5.37

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| TOTAL LIABILITIES AND CAPITAL ($ Billions)

$774.77

$774.07

$770.98

$769.37

$776.63

TOTAL DEPOSITS

580.82

546.27

535.03

519.94

507.78

Deposits less than or equal to $100,000

517.19

485.57

468.19

448.92

426.43

Deposits greater than $100,000

63.63

60.71

66.20

71.02

81.35

Escrows

6.16

4.76

5.53

6.61

8.37

BORROWINGS

120.18

156.62

158.85

173.10

184.89

Advances From FHLB

76.04

88.86

85.14

103.43

118.51

Reverse Repurchase Agreements

28.17

42.96

44.25

39.67

38.49

Other Borrowings

15.98

24.79

29.45

30.00

27.89

Other Liabilities

9.49

8.51

9.83

8.78

10.93

Equity Capital

58.13

57.91

61.74

60.94

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

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