Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 25

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

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

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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 (% Change)

3.45%

5.86%

5.85%

4.68%

9.22%

1 - 4 Family Mortgages

3.68

7.49

7.13

9.80

10.00

Mortgage Pool Securities

9.11

12.67

5.74

-7.99

1.86

Multifamily Mortgages

4.58

-0.27

-1.95

2.68

1.39

Nonresidential Mortgages

-1.97

-3.72

1.63

5.38

1.57

Construction Loans

15.73

18.66

15.78

28.47

-29.63

Land Loans

-2.12

1.99

12.37

17.90

-1.51

Commercial Loans

-16.25

20.70

47.43

36.96

35.12

Consumer Loans

8.97

10.35

9.71

10.85

27.37

Cash and Noninterest-Earning Deposits

7.63

-0.02

11.09

-3.24

11.80

Investment Securities

2.51

1.52

0.22

-2.73

3.86

Mortgage Derivatives

26.17

13.04

0.52

-7.43

-1.40

Repossessed Assets, Net

-35.06

-37.86

-20.66

-12.35

-10.49

Real Estate Held for Investment, Net

-10.77

-44.76

-49.15

238.04

3.16

Office Premises & Equipment

13.94

6.49

6.60

6.81

6.51

Other Assets

-39.23

-31.12

-20.63

-24.15

-12.06

Less: Contra Assets & Valuation Allowances

-0.29

11.76

-1.70

18.65

-63.13

|___________________________________________________________________________________________________________________________________________________________________________|

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| TOTAL LIABILITIES AND CAPITAL (% Change)

3.45%

5.86%

5.85%

4.68%

9.22%

TOTAL DEPOSITS

-1.22

-0.26

3.47

2.39

5.80

Deposits less than or equal to $100,000

-1.65

-0.56

1.86

1.02

3.19

Deposits greater than $100,000

2.46

2.21

15.24

12.04

21.91

BORROWINGS

25.67

37.65

10.07

12.58

14.84

Advances From FHLB

27.16

23.43

4.16

26.66

25.77

Reverse Repurchase Agreements

33.50

63.31

12.89

-7.48

0.23

Other Borrowings

8.42

60.14

26.00

2.67

-1.66

Other Liabilities

19.16

-9.35

22.66

-39.50

36.80

Equity Capital

11.38

5.01

13.40

3.85

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

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