Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 29

TECHNICAL NOTES

N/A - Not Available;

-- Not applicable.

1-4 Family Mortgages

Includes permanent mortgages on 1-4 dwelling units.

All data exclude one self-liquidating thrift; two self-liquidating thrifts are excluded in the June/December 1994, the March/September 1995 and the March 1997

quarters and three self-liquidating thrifts are excluded in September 1994 and June 1995.

One thrift did not report financial data for March 1997.

Asset Growth Rate

Calculated on a held constant basis.

Commercial Loans

Includes unsecured commercial loans and loans secured by an interest in commercial properties that do not qualify as a mortgage loan, loans secured by

farming equipment, floor-planning loans to dealers for automobiles or mobile homes, and retail auto loans to businesses.

Construction Loans

Includes construction loans secured by 1-4 dwelling units, 5 or more dwelling units, and nonresidential property.

Consumer Loans

Includes unsecured personal loans, loans on deposits, home improvement loans, education loans, auto loans, mobile home loans, open-end home equity loans,

and open-end unsecured consumer credit.

Critically Undercapitalized

Less than 2 percent tangible equity to adjusted total assets.

The standard established in Section 103(c) of the Federal Deposit Insurance Corporation

Improvement Act (FDICIA) of 1991.

Tangible equity includes common stock and retained earnings plus perpetual cumulative preferred stock, minus all

intangible assets except qualifying purchased mortgage servicing rights and excess net deferred tax assets.

Equity Capital

Equity capital includes perpetual preferred stock, common stock and paid-in capital, and retained earnings, plus (minus) unrealized gains (losses)

on available-for-sale securities.

Mortgage Originations

Includes construction and permanent mortgage loans closed on all property types.