Fourth Quarter 1999 Index Of Charts - Office Of Thrift Supervision - U.s. Department Of Treasury

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OFFICE OF THRIFT SUPERVISION
OFFICE OF THRIFT SUPERVISION
Fourth Quarter 1999 Index of Charts
Fourth Quarter 1999 Index of Charts
TITLE
CHART
l 1999 Industry Earnings Set New Record
1
l Lower Operating Expenses And Increased Fee Income Led 1999 ROA Improvement
2
l Operating Efficiency Improved While Earnings Efficiency Fell
3
l Fourth Quarter Single-Family Originations Fell As Interest Rates Increased
4
l Equity Capital Ratio Declined Further But Remains Healthy
5
l Noncurrent Loan Rates Were Stable In 1999
6
l General Decline In Net Charge-Offs Reflected Improved Asset Quality
7
l Number And Assets Of Problem Thrifts Fell During 1999
8
l Troubled Assets Reached A New Low
9
l Thrifts Remain Home Lenders Despite Growth In Other Loan Categories
10
l Thrifts With Concentration In Nontraditional Loans And The Degree Of Concentration Increased
11
l Pre-Shock Values Remain Well Above Well-Capitalized Level
12
l Interest Rate Risk Sensitivity Increased In Line With 10-Year Treasury Constant Maturity
13
l Median Post-Shock Values Remain Strong Despite The Decline
14
l Pre-Shock Values Remain Well Above Well-Capitalized Level
15
l Asset Growth Continued And Thrift Industry Consolidation Slowed
16
l Exits Declined Significantly In 1999
17

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