A number of the thrifts that had low ratings in the second quarter of 1991, according to IDC Financial Publishing Inc., have made changes since the data in the chart at right was collected.
* Irvington FS&LA. The savings and loan, which has been operating under a capital plan approved by the Office of Thrift Supervision since April, is now exploring a private placement of stock to bolster capital to meet requirements of new federal laws, President William J. Ottey said.
* Second National FSB. This subsidiary of Second National Bancorporation has submitted a revised capital plan to the OTS and is awaiting approval.
In addition, Second National President and CEO Henry A. Berliner Jr. said, "Public Service Resources Corp. of New Jersey has agreed to convert their subordinated debt into preferred stock, which will have the effect of adding $15 million to core capital."
* Citizens Savings FSB. This thrift signed a plan with federal regulators in December that outlined how it intends to meet all capital requirements by the end of this year.
* Equitable FSB. This mutual savings and loan is looking to raise additional funds by converting to a stock company, either public or private, and selling shares. Although it suffered losses in past quarters because of loan write-downs, the company said it expects a healthy profit for its first fiscal quarter, which ended Dec. 31.
* Fairview FS&LA. This mutual company has signed a definitive agreement with Columbia Bank in which Columbia Bank will acquire 100 percent of the Ellicott City thrift by the end of June 1992.
The agreement, which is contingent on Columbia Bank raising additional funds, would bring Fairview into full regulatory capital compliance, according to a Fairview official.
* Home FSB. At the end of September, federal regulators approved a plan submitted by Home Federal that calls for the thrift to reach regulatory capital requirements by June 30.