Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 24

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

|___________________________________________________________________________________________________________________________________________________________________________|

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| TOTAL ASSETS (% of Total Assets)

100.00%

1 - 4 Family Mortgages

45.79

47.03

47.38

49.89

50.32

Mortgage Pool Securities

15.43

16.48

16.27

14.42

13.37

Multifamily Mortgages

6.88

6.62

6.32

6.34

6.11

Nonresidential Mortgages

4.99

4.46

4.26

4.24

3.89

Construction Loans

1.64

1.76

1.91

2.28

1.46

Land Loans

0.48

0.43

0.45

0.49

0.45

Commercial Loans

0.66

0.67

0.93

1.22

1.48

Consumer Loans

4.57

4.64

4.90

5.18

5.78

Cash and Noninterest-Earning Deposits

1.51

1.41

1.51

1.40

Investment Securities

14.10

13.18

12.64

11.38

10.95

Mortgage Derivatives

5.66

5.83

5.75

5.01

4.67

Repossessed Assets, Net

0.80

0.44

0.33

0.28

0.23

Real Estate Held for Investment, Net

0.08

0.04

0.02

0.06

Office Premises & Equipment

1.10

1.07

1.03

1.05

1.02

Other Assets

3.96

3.84

3.95

3.86

4.18

Less: Contra Assets & Valuation Allowances

1.99

2.07

1.91

2.10

0.69

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| TOTAL LIABILITIES

AND CAPITAL (% of Total Assets)

100.00%

TOTAL DEPOSITS

74.97

70.57

69.40

67.58

65.38

Deposits less than or equal to $100,000

66.75

62.73

60.73

58.35

54.91

Deposits greater than $100,000

8.21

7.84

8.59

9.23

10.48

Escrows

0.80

0.61

0.72

0.86

1.08

BORROWINGS

15.51

20.23

20.60

22.50

23.81

Advances From FHLB

9.81

11.48

11.04

13.44

15.26

Reverse Repurchase Agreements

3.64

5.55

5.74

5.16

4.96

Other Borrowings

2.06

3.20

3.82

3.90

3.59

Other Liabilities

1.22

1.10

1.28

1.14

1.41

Equity Capital

7.50

7.48

8.01

7.92

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

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