Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 7

STRUCTURAL AND LOAN ACTIVITY 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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| SELECTED STRUCTURAL DATA

Number of Conservatorships/Receiverships

Consolidated Assets ($ Billions)

0.00

Number of Bank Charter Conversions

Consolidated Assets ($ Billions)

0.80

0.90

0.70

0.66

3.91

1.63

10.79

7.37

1.79

Number of Bank Acquisitions

Consolidated Assets ($ Billions)

12.88

11.27

2.79

4.07

10.10

9.89

6.90

14.48

3.83

Number of Thrift Mergers

Consolidated Assets ($ Billions)

24.99

5.90

3.51

2.70

12.24

18.20

5.58

3.56

42.05

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| LOAN ACTIVITY ($ Millions)

Mortgage Pool Securities

Total Purchases

$14,468.06

$13,576.69

$11,848.02

$9,360.84

$10,521.73

$10,288.92

$11,574.20

$11,647.32

$16,207.15

Total Sales

7,131.13

10,743.43

6,468.16

6,873.21

10,294.61

6,624.16

6,928.69

9,859.14

10,139.92

Mortgage Originations

37,972.94

38,816.70

48,497.15

43,075.63

39,859.89

35,909.83

47,482.07

48,403.88

53,718.60

Construction Loans

4,271.94

3,838.15

5,826.41

5,401.93

4,615.87

4,625.38

5,351.99

5,148.03

4,972.42

1-4 Family Mortgages

3,646.04

3,351.48

5,057.39

4,534.06

3,769.20

3,873.76

4,549.80

4,244.91

4,029.15

Permanent Loans Secured by 1-4 Family Unit

30,363.43

31,919.22

38,788.83

33,983.63

31,385.62

27,990.81

38,114.85

39,480.55

44,573.26

Mortgage Refinancings

4,624.31

6,724.81

5,284.35

3,175.54

3,835.01

3,808.66

4,022.61

4,793.78

6,886.84

Mortgage Purchases

13,996.13

19,062.10

15,056.43

14,431.04

14,865.10

12,552.17

14,690.96

17,792.90

21,253.03

Secured by 1-4 Family Mortgages

12,833.82

17,064.75

13,219.53

13,434.04

13,650.04

12,172.02

13,930.84

17,021.15

19,243.89

Mortgage Sales

25,318.79

24,643.30

26,648.53

21,206.22

24,817.33

19,820.28

25,700.96

27,168.94

42,404.96

Secured by 1-4 Family Mortgages

24,097.61

23,932.63

25,254.18

20,666.67

23,905.68

19,240.79

25,325.91

26,556.76

40,616.60

Nonmortgage Originations and Purchases

11,920.45

12,144.18

13,042.98

14,890.17

14,768.41

14,283.45

14,723.44

17,358.62

16,996.59

Consumer Loans

9,755.74

9,263.47

10,602.92

11,881.58

11,588.62

10,946.09

11,587.04

13,875.93

12,464.79

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| OTHER INDICATORS (Percent Annualized)

Asset Growth Rate

3.04%

2.12%

3.68%

7.58%

3.27%

5.10%

11.09%

7.19%

9.95% |

Cost of Funds

5.06

4.89

4.79

4.85

4.86

4.77

4.88

4.98

5.03

Asset Yield

7.86

7.79

7.76

7.79

7.78

7.79

7.87

7.92

Mortgage Portfolio Yield

8.03

7.94

7.82

7.84

7.86

7.77

7.79

7.87

7.89

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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-7