Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 27

ASSET QUALITY INDICATORS FOR OTS-REGULATED PRIVATE-SECTOR THRIFT INSTITUTIONS

___________________________________________________________________________________________________________________________________________________________________________

| 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

|___________________________________________________________________________________________________________________________________________________________________________|

| LOANS 30-89 DAYS DELINQUENT ($ Millions)

$7,450.70

$6,364.88

$6,853.18

$6,759.29

$6,267.91

Mortgage Loans

Construction & Land Loans

238.82

181.02

212.90

237.75

219.70

Nonresidential Mortgages

674.09

459.03

361.45

373.79

331.91

Multifamily Mortgages

607.15

459.90

407.50

280.63

191.91

1-4 Family Mortgages

5,253.30

4,661.82

5,100.40

4,947.83

4,420.06

Nonmortgage Loans and Leases

Commercial Loans

109.59

72.62

98.79

123.02

164.40

Consumer Loans

567.75

530.49

672.15

796.27

939.93

|___________________________________________________________________________________________________________________________________________________________________________|

| NONCURRENT LOANS ($ Millions)

$9,902.03

$7,048.99

$6,755.66

$6,572.15

$5,947.07

Mortgage Loans

Construction & Land Loans

617.05

296.41

241.67

197.19

182.14

Nonresidential Mortgages

1,579.87

969.32

666.09

551.09

489.44

Multifamily Mortgages

1,830.47

1,110.81

788.17

706.15

375.91

1-4 Family Mortgages

5,323.64

4,280.00

4,668.98

4,631.84

4,336.78

Nonmortgage Loans and Leases

Commercial Loans

231.19

133.29

103.18

130.04

126.04

Consumer Loans

319.81

259.16

287.57

355.84

436.77

|___________________________________________________________________________________________________________________________________________________________________________|

| NET CHARGE-OFFS ($ Millions)

$1,243.57

$908.31

$574.36

$594.81

$461.18

Mortgage Loans

Construction & Land Loans

17.45

23.81

15.22

7.44

8.49

Nonresidential Mortgages

285.74

76.82

30.81

28.74

(11.14)

Multifamily Mortgages

129.90

187.20

78.50

47.11

2.55

1-4 Family Mortgages

284.83

204.40

179.30

230.99

99.66

Nonmortgage Loans and Leases

Commercial Loans

41.88

4.67

14.03

10.33

14.75

Consumer Loans

105.81

85.49

108.04

155.34

223.44

Repossessed Assets

346.74

169.18

114.63

70.80

43.22

Other

31.23

156.75

33.85

44.04

80.21

|___________________________________________________________________________________________________________________________________________________________________________|

| REPOSSESSED ASSETS, NET ($ Millions)

$6,203.07

$3,422.21

$2,505.93

$2,137.81

$1,814.56

Construction & Land Loans

1,841.07

927.99

516.40

411.99

192.28

Nonresidential Mortgages

1,771.38

960.91

482.83

366.87

259.43

Multifamily Mortgages

1,092.88

573.53

505.90

271.08

238.76

1-4 Family Mortgages

2,097.04

1,322.80

1,248.65

1,230.22

1,062.30

Other

50.02

24.68

29.28

58.42

61.80

|___________________________________________________________________________________________________________________________________________________________________________|

| ASSET QUALITY: REAL ESTATE LOANS ($ Billions)

Real Estate Loans

$463.16

$466.77

$465.14

$486.64

$483.29

Percent of Total Assets

59.78

60.30

60.33

63.25

62.23

Noncurrent Real Estate Loans

$9.35

$6.66

$6.36

$6.09

$5.38

Percent of Total Assets

1.21

0.86

0.83

0.79

0.69

Real Estate Owned

$6.80

$3.79

$2.75

$2.28

$1.75

Percent of Total Assets

0.88

0.49

0.36

0.30

0.23

Troubled Real Estate Loans

$16.15

$10.44

$9.12

$8.37

$7.14

Percent of Total Assets

2.08

1.35

1.18

1.09

0.92

|___________________________________________________________________________________________________________________________________________________________________________|

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

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