Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 8

CAPITAL MEASURES 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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| CAPITAL COMPLIANCE

Meet FDICIA Capital Standards

1,430

1,411

1,391

1,374

1,333

1,298

1,269

1,235

1,214

Percent of Thrifts

99.51

99.65

99.57

99.71

99.93

99.77

99.76

99.92

Consolidated Assets ($ Billions)

$770.85

$763.38

$767.76

$777.03

$769.35

$764.33

$768.75

$762.71

$776.62

Fail FDICIA Capital Standards

Percent of Thrifts

0.35

0.43

0.29

0.07

0.23

0.24

0.08

Consolidated Assets ($ Billions)

$0.67

$0.78

$0.43

$0.75

$0.01

$0.27

$0.24

$0.09

$0.01

Critically Undercapitalized

Percent of Thrifts

0.00

0.07

0.00

0.08

0.00

Consolidated Assets ($ Billions)

$0.00

$0.03

$0.02

$0.00

$0.01

$0.21

$0.00

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| CAPITAL RATIOS (Percent)

Tangible Equity ($ Billions)

$57.00

$57.12

$57.78

$56.57

$56.45

$56.40

$56.67

$56.53

$58.27

Tangible Equity Ratio

7.44

7.52

7.54

7.29

7.36

7.43

7.44

7.48

7.58

Median Ratio

8.82

8.81

8.92

8.63

8.80

8.83

8.93

9.17

9.22

Tier 1 Capital ($ Billions)

$57.22

$57.33

$57.98

$56.74

$56.61

$56.54

$56.81

$56.66

$58.36

Tier 1 Leverage Ratio

7.47

7.55

7.56

7.31

7.38

7.44

7.45

7.50

7.59

Median Ratio

8.81

8.80

8.92

8.61

8.80

8.83

8.93

9.17

9.22

Tier 1 Risk-based Capital Ratio

13.70

13.77

13.75

13.20

13.15

13.09

13.19

13.07

13.18

Median Ratio

17.65

17.69

17.70

16.95

17.35

17.26

17.45

17.78

17.83

Risk-based Capital ($ Billions)

$63.29

$63.17

$63.81

$62.69

$62.57

$62.54

$62.63

$62.81

$64.57

Total Risk-based Capital Ratio

15.15

15.17

15.14

14.58

14.53

14.48

14.54

14.49

14.59

Median Ratio

18.48

18.46

18.52

17.69

18.12

17.99

18.10

18.52

18.62

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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-8