Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 4

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

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| FOR THE QUARTER ENDING:

DEC 1995

MAR 1996

JUN 1996

SEP 1996

DEC 1996

MAR 1997

JUN 1997

SEP 1997

DEC 1997

| NUMBER OF THRIFT INSTITUTIONS:

1,437

1,416

1,397

1,378

1,334

1,301

1,272

1,238

1,215

|___________________________________________________________________________________________________________________________________________________________________________|

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| TOTAL ASSETS ($ Billions)

$770.98

$762.86

$768.19

$777.78

$769.37

$764.60

$768.99

$762.80

$776.63

1 - 4 Family Mortgages

365.29

367.11

372.84

383.46

383.86

383.05

385.27

387.75

390.76

Mortgage Pool Securities

125.46

119.59

120.06

116.57

110.98

108.84

108.98

103.75

103.81

Multifamily Mortgages

48.76

48.20

48.46

49.01

48.78

47.89

47.50

47.54

47.46

Nonresidential Mortgages

32.88

32.20

32.81

32.91

32.64

31.87

31.39

29.85

30.24

Construction Loans

14.74

15.27

16.94

17.96

17.57

10.76

11.25

11.39

11.32

Land Loans

3.48

3.59

3.73

3.78

3.35

3.41

3.44

3.50

Commercial Loans

7.20

8.14

8.35

9.16

9.39

9.64

9.98

10.63

11.50

Consumer Loans

37.80

37.45

38.27

40.57

39.86

40.95

40.29

43.31

44.86

Cash and Noninterest-Earning Deposits

11.62

10.29

10.24

9.86

10.74

9.28

9.55

9.77

10.85

Investment Securities

97.42

94.60

92.82

91.16

87.52

85.16

86.24

80.39

85.05

Mortgage Derivatives

44.31

42.79

41.87

40.48

38.57

38.29

37.50

36.12

36.25

Repossessed Assets, Net

2.51

2.42

2.43

2.28

2.14

2.03

1.94

1.90

1.81

Real Estate Held for Investment, Net

0.15

0.13

0.51

0.48

0.47

0.46

0.47

Office Premises & Equipment

7.94

7.92

8.09

8.17

8.10

8.08

7.93

7.82

7.89

Other Assets

30.47

30.66

28.75

29.09

29.67

28.41

29.90

29.99

32.46

Less: Contra Assets & Valuation Allowances

14.71

16.10

16.65

16.14

5.16

5.10

5.20

5.37

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| TOTAL LIABILITIES AND CAPITAL ($ Billions)

$770.98

$762.86

$768.19

$777.78

$769.37

$764.60

$768.99

$762.80

$776.63

TOTAL DEPOSITS

535.03

527.45

522.80

522.97

519.94

519.63

512.76

501.68

507.78

Deposits less than or equal to $100,000

468.19

460.56

455.97

454.65

448.92

446.82

438.48

424.91

426.43

Deposits greater than $100,000

66.20

66.89

66.82

68.32

71.02

72.81

74.28

76.77

81.35

Escrows

5.53

6.67

6.87

7.40

6.61

7.25

8.02

8.18

8.37

BORROWINGS

158.85

157.61

167.91

175.31

173.10

167.47

176.02

180.18

184.89

Advances From FHLB

85.14

85.86

92.54

98.80

103.43

97.05

105.35

106.61

118.51

Reverse Repurchase Agreements

44.25

41.60

45.01

44.81

39.67

41.24

40.44

42.34

38.49

Other Borrowings

29.45

30.15

30.35

31.69

30.00

29.18

30.23

31.23

27.89

Other Liabilities

9.83

9.53

8.74

11.26

8.78

9.54

9.78

10.37

10.93

Equity Capital

61.74

61.60

61.88

60.83

60.94

60.71

62.40

62.39

64.66

|___________________________________________________________________________________________________________________________________________________________________________|

One thrift did not report financial data and one thrift was not required to report for March 1997.

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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