Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 28

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 (% Total Assets)

0.96%

0.82%

0.89%

0.88%

0.81%

Percent of Outstanding Loans by Loan Type:

Mortgage Loans

Construction & Land Loans

1.46

1.07

1.17

1.11

1.48

Nonresidential Mortgages

1.74

1.33

1.10

1.15

1.10

Multifamily Mortgages

1.14

0.90

0.84

0.58

0.40

1-4 Family Mortgages

1.48

1.28

1.40

1.29

1.13

Nonmortgage Loans and Leases

Commercial Loans

2.13

1.39

1.37

1.31

1.43

Consumer Loans

1.60

1.48

1.78

2.00

2.10

|___________________________________________________________________________________________________________________________________________________________________________|

| NONCURRENT LOANS (% Total Assets)

1.28%

0.91%

0.88%

0.85%

0.77%

Percent of Outstanding Loans by Loan Type:

Mortgage Loans

Construction & Land Loans

3.77

1.75

1.33

0.92

1.23

Nonresidential Mortgages

4.08

2.81

2.03

1.69

1.62

Multifamily Mortgages

3.43

2.17

1.62

1.45

0.79

1-4 Family Mortgages

1.50

1.18

1.28

1.21

1.11

Nonmortgage Loans and Leases

Commercial Loans

4.49

2.55

1.43

1.38

1.10

Consumer Loans

0.90

0.72

0.76

0.89

0.97

|___________________________________________________________________________________________________________________________________________________________________________|

| NET CHARGE-OFFS (% Total Assets)

0.16%

0.12%

0.07%

0.08%

0.06%

Percent of Outstanding Loans by Loan Type:

Mortgage Loans

Construction & Land Loans

0.11

0.14

0.08

0.03

0.06

Nonresidential Mortgages

0.74

0.22

0.09

-0.04

Multifamily Mortgages

0.24

0.37

0.16

0.10

0.01

1-4 Family Mortgages

0.08

0.06

0.05

0.06

0.03

Nonmortgage Loans and Leases

Commercial Loans

0.81

0.09

0.19

0.11

0.13

Consumer Loans

0.30

0.24

0.29

0.39

0.50

Repossessed Assets

5.59

4.94

4.57

3.31

2.38

Other

0.10

0.53

0.11

0.15

0.25

|___________________________________________________________________________________________________________________________________________________________________________|

| REPOSSESSED ASSETS, NET (% Total Assets)

0.80%

0.44%

0.33%

0.28%

0.23%

Percent of Outstanding Loans by Loan Type:

Construction & Land Loans

11.23

5.48

2.83

1.93

1.30

Nonresidential Mortgages

4.58

2.78

1.47

1.12

0.86

Multifamily Mortgages

2.05

1.12

1.04

0.56

0.50

1-4 Family Mortgages

0.59

0.36

0.34

0.32

0.27

Other

0.16

0.08

0.10

0.20

0.19

|___________________________________________________________________________________________________________________________________________________________________________|

| ASSET QUALITY SUMMARY (% Total Assets)

Net Chargeoffs (Annualized)

0.64%

0.47%

0.30%

0.31%

0.24%

Net Provisions for Losses (Annualized)

0.42

0.26

0.27

0.37

0.26

Valuation Allowances

1.01

0.84

0.77

0.78

Noncurrent Loans

1.28

0.91

0.88

0.85

0.77

Repossessed Assets, Net (% Total Assets)

0.80

0.44

0.33

0.28

0.23

Troubled Assets

2.08

1.35

1.20

1.13

1.00

|___________________________________________________________________________________________________________________________________________________________________________|

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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