Profitability For Ots-Regulated Private-Sector Thrift Institutions Guide - Office Of Thrift Supervision - U.s. Department Of Treasury - 1998 Page 9

ASSET QUALITY INDICATORS FOR OTS-REGULATED PRIVATE-SECTOR THRIFT INSTITUTIONS

___________________________________________________________________________________________________________________________________________________________________________

| 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

|___________________________________________________________________________________________________________________________________________________________________________|

| LOANS 30-89 DAYS DELINQUENT ($ Millions)

$6,853.18

$6,635.57

$6,374.04

$6,718.66

$6,759.29

$6,481.54

$5,976.31

$6,060.46

$6,267.91

Mortgage Loans

Construction & Land Loans

212.90

226.69

199.55

220.56

237.75

246.88

236.66

229.90

219.70

Nonresidential Mortgages

361.45

391.36

345.77

360.16

373.79

340.98

296.30

240.29

331.91

Multifamily Mortgages

407.50

343.51

278.52

282.42

280.63

265.45

200.51

184.28

191.91

1-4 Family Mortgages

5,100.40

4,959.64

4,797.26

5,003.15

4,947.83

4,759.05

4,414.55

4,406.71

4,420.06

Nonmortgage Loans and Leases

Commercial Loans

98.79

100.54

107.46

96.94

123.02

130.15

134.50

140.90

164.40

Consumer Loans

672.15

613.83

645.49

755.43

796.27

739.03

693.81

858.39

939.93

|___________________________________________________________________________________________________________________________________________________________________________|

| NONCURRENT LOANS ($ Millions)

$6,755.66

$7,015.27

$6,601.00

$6,802.69

$6,572.15

$6,739.10

$6,204.24

$6,302.18

$5,947.07

Mortgage Loans

Construction & Land Loans

241.67

234.27

212.70

209.50

197.19

188.34

163.50

162.54

182.14

Nonresidential Mortgages

666.09

667.06

591.85

618.14

551.09

556.99

521.06

537.42

489.44

Multifamily Mortgages

788.17

745.72

699.52

732.15

706.15

640.18

543.97

416.53

375.91

1-4 Family Mortgages

4,668.98

4,964.21

4,653.00

4,745.35

4,631.84

4,836.14

4,476.12

4,660.63

4,336.78

Nonmortgage Loans and Leases

Commercial Loans

103.18

104.59

137.35

150.00

130.04

126.65

138.59

131.08

126.04

Consumer Loans

287.57

299.43

306.59

347.56

355.84

390.81

361.01

393.97

436.77

|___________________________________________________________________________________________________________________________________________________________________________|

| NET CHARGE-OFFS ($ Millions)

$574.36

$512.07

$558.84

$548.30

$594.81

$388.03

$486.06

$510.28

$461.18

Mortgage Loans

Construction & Land Loans

15.22

3.88

6.14

3.51

7.44

4.61

4.66

1.10

8.49

Nonresidential Mortgages

30.81

32.95

40.21

25.12

28.74

13.99

8.03

13.53

(11.14) |

Multifamily Mortgages

78.50

72.43

62.88

71.48

47.11

29.81

37.20

17.27

2.55

1-4 Family Mortgages

179.30

172.12

193.28

181.90

230.99

110.32

172.43

212.19

99.66

Nonmortgage Loans and Leases

Commercial Loans

14.03

4.00

6.60

5.53

10.33

5.84

9.47

9.98

14.75

Consumer Loans

108.04

114.66

130.03

130.18

155.34

185.48

177.79

177.51

223.44

Repossessed Assets

114.63

94.89

81.05

73.96

70.80

44.83

43.38

38.98

43.22

Other

33.85

17.13

38.66

56.63

44.04

(6.84)

33.10

39.73

80.21

|___________________________________________________________________________________________________________________________________________________________________________|

| REPOSSESSED ASSETS, NET ($ Millions)

$2,505.93

$2,422.38

$2,431.11

$2,276.91

$2,137.81

$2,030.80

$1,944.73

$1,899.62

$1,814.56

Construction & Land Loans

516.40

482.48

476.42

429.97

411.99

280.90

259.59

230.42

192.28

Nonresidential Mortgages

482.83

461.63

443.20

397.71

366.87

304.49

308.48

269.26

259.43

Multifamily Mortgages

505.90

405.99

409.46

324.07

271.08

263.60

280.58

291.86

238.76

1-4 Family Mortgages

1,248.65

1,280.64

1,302.17

1,288.97

1,230.22

1,136.74

1,059.65

1,067.45

1,062.30

Other

29.28

35.21

34.51

47.17

58.42

45.06

36.43

40.64

61.80

|___________________________________________________________________________________________________________________________________________________________________________|

| ASSET QUALITY: REAL ESTATE LOANS ($ Billions)

Real Estate Loans

$465.14

$466.36

$474.76

$487.07

$486.64

$476.91

$478.81

$479.97

$483.29

Percent of Total Assets

60.33

61.13

61.80

62.62

63.25

62.37

62.27

62.92

62.23

Noncurrent Real Estate Loans

$6.36

$6.61

$6.16

$6.31

$6.09

$6.22

$5.70

$5.78

$5.38

Percent of Total Assets

0.83

0.87

0.80

0.81

0.79

0.81

0.74

0.76

0.69

Real Estate Owned

$2.75

$2.63

$2.44

$2.28

$1.99

$1.91

$1.86

$1.75

Percent of Total Assets

0.36

0.34

0.31

0.30

0.26

0.25

0.24

0.23

Troubled Real Estate Loans

$9.12

$9.24

$8.79

$8.75

$8.37

$8.21

$7.61

$7.64

$7.14

Percent of Total Assets

1.18

1.21

1.14

1.12

1.09

1.07

0.99

1.00

0.92

|___________________________________________________________________________________________________________________________________________________________________________|

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

T-9