Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 26

CAPITAL MEASURES 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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| CAPITAL COMPLIANCE

Meet FDICIA Capital Standards

1,659

1,534

1,430

1,333

1,214

Percent of Thrifts

99.40

99.42

99.51

99.93

99.92

Consolidated Assets ($ Billions)

$777.17

$772.94

$770.85

$769.35

$776.62

Fail FDICIA Capital Standards

Percent of Thrifts

0.60

0.58

0.35

0.07

0.08

Consolidated Assets ($ Billions)

$1.89

$4.54

$0.67

$0.01

Critically Undercapitalized

Percent of Thrifts

0.06

0.00

Consolidated Assets ($ Billions)

$0.10

$1.72

$0.00

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| CAPITAL RATIOS (Percent)

Tangible Equity ($ Billions)

$54.42

$54.81

$57.00

$56.45

$58.27

Tangible Equity Ratio

7.04

7.08

7.44

7.36

7.58

Median Ratio

7.92

8.40

8.82

8.80

9.22

Tier 1 Capital ($ Billions)

$54.82

$55.14

$57.22

$56.61

$58.36

Tier 1 Leverage Ratio

7.08

7.12

7.47

7.38

7.59

Median Ratio

7.93

8.41

8.81

8.80

9.22

Tier 1 Risk-based Capital Ratio

13.14

13.37

13.70

13.15

13.18

Median Ratio

16.51

17.26

17.65

17.35

17.83

Risk-based Capital ($ Billions)

$61.07

$61.00

$63.29

$62.57

$64.57

Total Risk-based Capital Ratio

14.64

14.79

15.15

14.53

14.59

Median Ratio

17.27

18.09

18.48

18.12

18.62

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All data prior to June 1996 are unconsolidated, except where noted.

Numbers may not sum due to rounding.

Office of Thrift Supervision / March 1998

T-26