BENCHMARKS REPORT

Industry Measure: Business Segment Data
| SIC: | 6035 |
| INDUSTRY: | SAVINGS INSTN,FED CHARTERED |
| BENCHMARKS FOR THE INDUSTRY |
| NO. OF SEGMENTS REPORTING IN THE INDUSTRY: 2 |
|
1997 SALES FOR THE INDUSTRY: $ 1239 (Total Sales in $Millions) |
|
OPERATING MARGIN: 14.3 (Allocated Operating Profits (divided by) Segment Sales) |
|
ASSET INTENSITY: 1317.9 (Allocated Assets (divided by) Segment Sales) |
|
SALES GROWTH: 12.7 (Compound 3-Year Growth Rate in Sales for the Median Participant in the Industry) |
| BENCHMARKS FOR THE TOP FOUR COMPETITORS |
| ROA: Allocated Operating Profits (divided by) Allocated Operating Assets |
| Competitor/Rank by Sales |
Market Share (% Ind. Sales) |
ROA |
| #1: TEMPLE-INLAND INC |
76.3 | 1.2 |
| #2: HAWAIIAN ELECTRIC INDS |
23.7 | 0.8 |
| #3: NA |
NA | NC |
| #4: NA |
NA | NC |
| Total of #1-4: | 100.0 | 1.1 |