Top 300 Thrift Institutions in Assets (Part 1)

Listed in order of total assets on December 31, 1994, compared with December 31, 1993 (dollar amounts in thousands) Set 1 of 3 Rank 12/94

1 Home Savings of America, FSB, Irwindale, Calif. (c)

2 Great Western Bank, FSB, Chatsworth

3 World Savings & Loan Assn., Oakland, Calif.

4 American Savings Bank, FA, Irvine, Calif.

5 Washington Mutual Bank, Seattle (c)

6 Glendale Federal Bank, FSB, Calif. (c)

7 First Nationwide Bank, FSB, Dallas

8 California Federal Bank, FSB, Los Angeles (c)

9 Citibank, FSB, San Francisco (b)

10 Standard Federal Bank, Troy, Mich.

11 Dime Savings Bank of New York, FSB

12 Anchor Savings Bank, FSB, Hewlett, N.Y.

13 Bank United of Texas, FSB, Houston

14 Household Bank, FSB, Newport Beach, Calif.

15 Guaranty Federal Savings Bank, Dallas

16 Roosevelt Bank, FSB, Chesterfield, Mo.

17 First Federal of Michigan, Detroit (c)

18 Coast Federal Bank, Los Angeles

19 First Bank, FSB, Fargo, N.D.

20 LaSalle Talman Bank, FSB, Chicago (f)

21 Green Point Savings Bank, Brooklyn, New York

22 First Federal Savings & Loan Assn., Rochester, N.Y.

23 Sovereign Bank, FSB, Wyomissing, Pa.

24 People's Bank, Bridgeport, Conn.

25 Charter One Bank, FSB, Cleveland

26 Emigrant Savings Bank, New York

27 Republic Bank for Savings, New York (b)

28 Commercial Federal Bank, FSB, Omaha, Neb.

29 First Financial Bank, FSB, Stevens Point, Wis.

30 TCF Bank Minnesota, FSB, Minneapolis (c)

31 Citizens Savings Bank, Providence, R.I. (f)

32 Hudson City Savings Bank, Paramus, N.J. (M)

33 Collective Bank, Egg Harbor City, N.J.

34 USAA Federal Savings Bank, San Antonio, Tex.

35 Chevy Chase Bank, FSB, Md.

36 Downey Savings & Loan Assn., FA, Newport Beach, Calif.

37 Astoria Federal Savings & Loan Assn., Lake Success, N.Y.

38 Citizens Federal Bank, FSB, Miami

39 Third Federal Savings & Loan Assn., Cleveland (M)

40 Long Island Savings Bank, FSB, Melville, N.Y.

41 Bank of America, FSB, Portland, Ore. (b)

42 ITT Federal Bank, FSB, Irvine, Calif.

43 First Federal Bank of California, Santa Monica

44 Capitol Federal Savings & Loan Assn., Topeka, Kan. (M)

45 CrossLand Federal Savings Bank, Brooklyn, New York

46 St. Paul Federal Bank for Savings, Chicago

47 Washington Federal Savings, Seattle

48 Bank of Boston Connecticut, Hartford (b)

49 Apple Bank for Savings, New York

50 San Francisco Federal Savings & Loan Assn.

51 Fidelity Federal Bank, FSB, Glendale, Calif.

52 American Savings of Florida, FSB, Miami

53 First NH Bank, Manchester

54 Rochester Community Savings Bank, N.Y. (c)

55 Northeast Savings, FA, Hartford, Conn.

56 Local Federal Bank, FSB, Oklahoma City (c)

57 LaSalle Cragin Bank, FSB, Chicago (f)

58 Citizens Bank of Massachusetts, Boston (f)

59 Bay View Federal Bank, FSB, San Mateo, Calif.

60 First American Bank, SSB, Bryan, Tex.

61 American Savings Bank, FSB, Honolulu

62 Bluebonnet Savings Bank, FSB, Dallas

63 Centerbank, Waterbury, Conn.

64 Albany Savings Bank, FSB, N.Y.

65 Columbia First Bank, FSB, Arlington, Va.

66 Great Lakes Bancorp, FSB, Ann Arbor, Mich.

67 Western Financial Savings Bank, FSB, Irvine, Calif.

68 Security Bank, SSB, Milwaukee

69 Independence Savings Bank, Brooklyn, New York

70 Greater New York Savings Bank, New York

71 Roosevelt Savings Bank, Garden City, N.Y.

72 Chase Federal Bank, FSB, Miami

73 Coral Gables Federal Savings & Loan Assn., Fla.

74 New Bedford Institution for Savings, Mass.

75 Loyola Federal Savings Bank, Baltimore

76 Leader Federal Bank for Savings, Memphis, Tenn.

77 EurekaBank, FSB, Foster City, Calif.

78 Peoples Heritage Savings Bank, Portland, Me.

79 Investors Savings Bank, Millburn, N.J. (M)

80 Dollar Bank, FSB, Pittsburgh (M)

81 Ohio Savings Bank, Cleveland (c)

82 Coastal Banc Savings Assn., Houston

83 First Federal Bank, FSB, Waterbury, Conn.

84 State Savings Bank, Columbus, Ohio (c)

85 Berkeley Federal Bank & Trust, FSB, Palisades Park, N.J.

86 Eastern Bank, Lynn, Mass. (M)

87 Citizens Federal Bank, FSB, Dayton, Ohio

88 South Boston Savings Bank, Boston

89 Guardian Savings & Loan Assn., Houston

90 Fidelity New York, FSB, Garden City, N.Y.

91 Franklin First Savings Bank, Wilkes-Barre, Pa. (b)

92 New Haven Savings Bank, Conn. (M)

93 CenFed Bank, Pasadena, Calif.

94 PriMerit Bank, FSB, Las Vegas, Nev.

95 Union Federal Savings Bank, Indianapolis

96 Great Financial Bank, FSB, Louisville, Ky.

97 Bell Federal Savings & Loan Assn., Chicago

98 Home Federal Savings Bank, Queens, New York

99 Shawmut Bank NH, Manchester 100 East New York Savings Bank, New York (b) Set 2 of 3

Tier 1 Rank Total Assets Rank Rank Capital 12/94 12/31/94 12/31/93 12/93 Change 12/94

1 Home Savings of 53,443,010 50,392,336 1 2,914,895

2 Great Western B 39,697,355 35,869,149 2 2,032,490

3 World Savings & 31,026,573 28,099,640 3 2,047,016

4 American Saving 18,552,215 17,297,387 5 1 935,468

5 Washington Mutu 17,477,117 15,827,228 6 1 1,036,913

6 Glendale Federa 15,687,109 17,950,915 4 -2 864,131

7 First Nationwid 14,745,474 1,192,971 151 144 807,849

8 California Fede 14,214,814 15,300,019 8 794,425

9 Citibank, FSB, 13,523,542 12,166,675 9 1,530,123

10 Standard Federa 12,076,933 10,905,397 10 729,039

11 Dime Savings Ba 10,017,574 9,283,919 11 533,137

12 Anchor Savings 9,709,966 8,355,488 16 4 440,140

13 Bank United of 9,628,067 8,365,390 15 2 569,068

14 Household Bank, 9,487,169 9,155,952 13 -1 528,018

15 Guaranty Federa 8,758,704 8,806,777 14 -1 401,776

16 Roosevelt Bank, 8,406,769 4,001,050 42 26 446,061

17 First Federal o 8,383,847 9,249,966 12 -5 444,276

18 Coast Federal B 8,213,447 8,085,796 17 -1 438,749

19 First Bank, FSB 7,916,158 6,984,602 19 384,369

20 LaSalle Talman 6,923,691 5,850,725 24 4 387,261

21 Green Point Sav 6,677,533 7,358,053 18 -3 1,105,227

22 First Federal S 6,637,271 6,251,116 21 -1 302,370

23 Sovereign Bank, 6,564,082 4,495,385 33 10 336,507

24 People's Bank, 6,501,184 6,408,764 20 -4 463,200

25 Charter One Ban 6,116,117 5,211,995 26 1 391,748

26 Emigrant Saving 6,060,007 6,177,447 22 -4 458,493

27 Republic Bank f 5,837,138 6,149,463 23 -4 445,234

28 Commercial Fede 5,788,888 5,290,265 25 -3 302,200

29 First Financial 5,128,965 4,689,211 29 318,773

30 TCF Bank Minnes 5,063,679 5,022,266 28 -2 320,673

31 Citizens Saving 5,016,532 3,623,074 49 18 273,479

32 Hudson City Sav 4,895,277 4,578,908 30 -2 559,033

33 Collective Bank 4,870,626 4,030,174 41 8 286,500

34 USAA Federal Sa 4,770,305 4,515,178 31 -3 544,145

35 Chevy Chase Ban 4,764,707 5,144,982 27 -8 263,929

36 Downey Savings 4,650,407 3,471,695 50 14 333,423

37 Astoria Federal 4,633,432 4,073,830 40 3 474,935

38 Citizens Federa 4,545,905 4,422,882 34 -4 330,885

39 Third Federal S 4,537,718 4,193,540 38 -1 537,741

40 Long Island Sav 4,525,613 4,261,187 36 -4 370,241

41 Bank of America 4,478,937 3,434,212 51 10 366,271

42 ITT Federal Ban 4,272,985 3,266,634 54 12 264,143

43 First Federal B 4,155,714 3,667,128 48 5 226,959

44 Capitol Federal 4,151,386 3,938,542 43 -1 493,187

45 CrossLand Feder 4,141,404 4,515,162 32 -13 322,076

46 St. Paul Federa 4,087,805 3,667,404 47 1 347,837

47 Washington Fede 4,066,703 3,245,409 55 8 502,441

48 Bank of Boston 3,848,195 4,223,544 37 -11 487,556

49 Apple Bank for 3,811,401 3,853,026 45 -4 252,654

50 San Francisco F 3,724,237 3,388,680 52 2 205,746

51 Fidelity Federa 3,718,824 4,391,792 35 -16 159,824

52 American Saving 3,570,891 3,069,773 56 4 178,657

53 First NH Bank, 3,428,303 3,358,918 53 247,083

54 Rochester Commu 3,419,462 4,189,258 39 -15 324,165

55 Northeast Savin 3,342,455 3,920,025 44 -11 177,419

56 Local Federal B 3,267,235 2,717,334 66 10 170,125

57 LaSalle Cragin 3,236,389 2,807,038 61 4 236,583

58 Citizens Bank o 3,201,789 2,125,827 85 27 183,980

59 Bay View Federa 3,166,509 2,663,338 67 8 192,192

60 First American 3,135,103 2,770,447 62 2 157,455

61 American Saving 3,120,927 2,630,156 68 7 158,891

62 Bluebonnet Savi 3,120,543 2,746,356 63 1 220,200

63 Centerbank, Wat 3,064,137 2,851,533 60 -3 165,814

64 Albany Savings 2,939,931 2,741,202 65 1 264,909

65 Columbia First 2,911,524 2,458,457 73 8 134,514

66 Great Lakes Ban 2,776,200 2,607,383 69 3 148,482

67 Western Financi 2,752,495 2,160,885 81 14 182,852

68 Security Bank, 2,704,409 2,190,417 79 11 375,716

69 Independence Sa 2,696,808 2,514,700 70 1 235,163

70 Greater New Yor 2,572,631 2,459,696 72 2 179,095

71 Roosevelt Savin 2,543,333 1,978,259 91 20 153,079

72 Chase Federal B 2,523,268 1,982,699 90 18 139,507

73 Coral Gables Fe 2,504,162 2,465,639 71 -2 330,207

74 New Bedford Ins 2,466,699 2,450,525 74 249,052

75 Loyola Federal 2,465,136 2,355,803 75 144,090

76 Leader Federal 2,447,025 1,944,128 93 17 164,230

77 EurekaBank, FSB 2,384,518 2,339,260 76 -1 131,292

78 Peoples Heritag 2,345,716 2,108,139 86 8 172,476

79 Investors Savin 2,337,229 2,048,991 88 9 174,700

80 Dollar Bank, FS 2,315,279 2,275,560 77 -3 127,576

81 Ohio Savings Ba 2,313,842 2,243,181 78 -3 189,927

82 Coastal Banc Sa 2,304,241 1,934,476 94 12 104,100

83 First Federal B 2,276,872 2,143,853 83 125,261

84 State Savings B 2,151,010 1,661,692 109 25 166,659

85 Berkeley Federa 2,148,164 1,332,730 138 53 139,420

86 Eastern Bank, L 2,020,797 1,678,819 108 22 133,803

87 Citizens Federa 2,012,741 1,816,904 100 13 137,370

88 South Boston Sa 2,000,458 2,091,018 87 -1 129,888

89 Guardian Saving 1,971,328 1,963,892 92 3 150,672

90 Fidelity New Yo 1,926,499 2,018,311 89 -1 107,352

91 Franklin First 1,882,654 1,593,446 117 26 107,792

92 New Haven Savin 1,871,641 1,889,131 95 3 196,947

93 CenFed Bank, Pa 1,847,987 1,490,144 125 32 106,177

94 PriMerit Bank, 1,816,943 1,752,585 104 10 116,624

95 Union Federal S 1,812,358 1,756,334 103 8 125,781

96 Great Financial 1,811,709 1,690,834 107 11 220,682

97 Bell Federal Sa 1,811,082 1,885,365 96 -1 218,992

98 Home Federal Sa 1,780,259 1,636,617 112 14 86,998

99 Shawmut Bank NH 1,779,460 1,722,606 106 7 98,101 100 East New York S 1,765,806 1,777,027 102 2 130,534 Set 3 of 3

Total Rank Capital Key Capital Ratios Branches Employees 12/94 12/94 Tier 1 Total Core 12/94 12/94

1 Home Savings of 3,908,156 9.08 12.17 5.5 357 8,137

2 Great Western B 2,706,098 8.78 11.72 5.12 419 10,225

3 World Savings & 2,353,781 11.78 13.54 6.64 237 4,154

4 American Saving 1,040,512 9.48 10.54 5.07 284 2,966

5 Washington Mutu 1,123,867 10.97 11.89 5.9 232 4,371

6 Glendale Federa 956,525 10.8 11.61 5.52 183 2,364

7 First Nationwid 1,004,049 8.86 11.01 5.5 152 3,397

8 California Fede 921,631 10.77 12.56 5.6 119 2,242

9 Citibank, FSB, 1,671,556 13.54 14.79 11.58 206 4,481

10 Standard Federa 761,652 12.28 12.83 6.1 170 2,868

11 Dime Savings Ba 601,160 9.88 11.14 5.41 34 1,600

12 Anchor Savings 473,112 10.94 11.76 4.56 114 1,472

13 Bank United of 593,100 12.6 13.13 5.97 64 2,859

14 Household Bank, 894,550 8.14 13.76 5.72 241 2,467

15 Guaranty Federa 413,632 10.82 11.14 4.6 139 1,425

16 Roosevelt Bank, 463,161 13.81 14.34 5.32 80 1,166

17 First Federal o 470,741 14.99 15.88 5.3 63 998

18 Coast Federal B 561,061 8.22 10.5 5.39 92 1,731

19 First Bank, FSB 413,914 8.42 9.07 4.95 212 1,863

20 LaSalle Talman 426,822 12.25 13.5 5.73 60 1,539

21 Green Point Sav 1,153,473 29.05 30.31 16.58 24 1,392

22 First Federal S 329,050 9.05 9.85 4.57 81 1,531

23 Sovereign Bank, 365,115 11.07 12.02 5.19 130 1,284

24 People's Bank, 520,300 10.1 11.3 7.1 78 2,376

25 Charter One Ban 424,810 12.36 13.41 6.35 96 1,349

26 Emigrant Saving 472,015 17.74 18.26 7.49 37 1,274

27 Republic Bank f 479,626 16.36 17.59 7.66 32 990

28 Commercial Fede 329,577 11.98 13.07 5.22 68 1,087

29 First Financial 340,022 12.65 13.5 6.22 124 1,513

30 TCF Bank Minnes 350,096 11 12.01 6.34 133 3,210

31 Citizens Saving 308,386 9.93 11.19 6.39 73 1,687

32 Hudson City Sav 570,599 30.04 30.66 11.86 69 877

33 Collective Bank 292,672 16.08 16.43 5.91 78 844

34 USAA Federal Sa 584,585 12.55 13.48 11.41 0 1,124

35 Chevy Chase Ban 427,519 6.76 11.46 5.57 85 2,184

36 Downey Savings 357,505 13.25 14.21 7.22 52 943

37 Astoria Federal 481,802 30.2 30.64 10.26 28 751

38 Citizens Federa 366,301 16.07 17.79 7.28 45 609

39 Third Federal S 540,944 29.48 29.66 11.79 23 591

40 Long Island Sav 397,738 16.89 18.14 8.2 37 1,240

41 Bank of America 476,308 10.07 13.09 8.4 55 2,599

42 ITT Federal Ban 269,263 12.95 13.21 6.04 4 275

43 First Federal B 255,498 9.27 10.44 5.47 25 510

44 Capitol Federal 496,312 28.58 28.77 11.88 24 584

45 CrossLand Feder 373,312 13.55 15.7 7.78 36 741

46 St. Paul Federa 376,201 15.39 16.65 8.51 52 1,054

47 Washington Fede 506,447 26.39 26.6 12.55 82 543

48 Bank of Boston 536,458 15.34 16.88 12.83 59 1,847

49 Apple Bank for 276,745 13.32 14.6 6.69 33 902

50 San Francisco F 232,518 9.63 10.85 5.54 34 684

51 Fidelity Federa 188,579 7.01 8.28 4.29 33 724

52 American Saving 195,350 10.11 11.06 5.09 29 740

53 First NH Bank, 270,610 13.3 14.57 7.19 78 1,151

54 Rochester Commu 350,173 14.63 15.8 9.56 30 1,495

55 Northeast Savin 189,165 14.72 15.69 5.31 33 552

56 Local Federal B 173,121 14.22 14.47 5.19 41 374

57 LaSalle Cragin 445,317 17.42 18.34 7.79 27 435

58 Citizens Bank o 208,341 9.55 10.82 6.54 48 549

59 Bay View Federa 214,073 11.03 12.29 6.07 27 472

60 First American 163,552 10.46 10.86 5.08 53 777

61 American Saving 165,667 10.97 11.44 5.15 46 734

62 Bluebonnet Savi 221,931 34.22 34.49 7 21 276

63 Centerbank, Wat 190,745 8.38 9.64 5.44 43 1,262

64 Albany Savings 280,242 15.35 16.23 9.07 57 914

65 Columbia First 149,392 8.24 9.15 4.63 33 444

66 Great Lakes Ban 181,593 9.06 11.08 5.35 44 943

67 Western Financi 317,155 8.24 12.16 6.62 26 730

68 Security Bank, 393,088 19.64 20.55 14.31 42 945

69 Independence Sa 245,965 13.52 14.14 8.58 21 599

70 Greater New Yor 202,155 11.61 13.11 6.96 13 583

71 Roosevelt Savin 174,065 14.5 16.49 6.31 13 408

72 Chase Federal B 147,289 14.95 15.78 5.52 31 615

73 Coral Gables Fe 338,593 30.16 30.92 13.19 34 740

74 New Bedford Ins 261,721 22.9 23.8 10.1 52 358

75 Loyola Federal 154,561 9.5 10.19 5.86 35 595

76 Leader Federal 178,605 14.32 15.57 6.71 22 610

77 EurekaBank, FSB 135,481 13.09 13.5 5.52 36 419

78 Peoples Heritag 192,995 10.68 11.95 7.46 57 1,090

79 Investors Savin 176,225 30.41 30.67 7.47 16 207

80 Dollar Bank, FS 143,713 9.63 10.85 5.59 46 929

81 Ohio Savings Ba 209,415 10.76 11.86 8.18 42 821

82 Coastal Banc Sa 106,258 12.37 12.63 4.54 34 298

83 First Federal B 138,591 11.65 12.89 5.5 34 459

84 State Savings B 181,650 13.88 15.12 7.76 45 563

85 Berkeley Federa 140,656 11.63 11.73 6.49 32 510

86 Eastern Bank, L 149,431 7.16 7.16 7.14 31 731

87 Citizens Federa 149,165 14.59 15.85 6.86 21 602

88 South Boston Sa 139,811 17.7 18.9 6.37 7 186

89 Guardian Saving 151,547 24.57 24.71 7.74 20 155

90 Fidelity New Yo 109,000 18.67 18.95 5.6 18 240

91 Franklin First 117,721 11.61 12.68 5.71 22 368

92 New Haven Savin 212,901 17.23 18.51 10.6 27 412

93 CenFed Bank, Pa 118,307 10.92 12.17 5.74 20 422

94 PriMerit Bank, 127,005 12.75 13.88 6.62 25 586

95 Union Federal S 129,778 14.78 15.25 7.08 51 601

96 Great Financial 226,942 20.39 20.97 11.51 38 335

97 Bell Federal Sa 225,935 28.5 29.4 12.09 13 345

98 Home Federal Sa 96,342 9.57 10.6 4.88 18 336

99 Shawmut Bank NH 107,039 13.88 15.14 5.67 38 474 100 East New York S 148,638 9.13 10.4 7.53 17 295 === Data Sources: American Banker survey. For thrifts not responding to the survey, American Banker used regulatory data provided by Sheshunoff Information Services, Inc., Austin, Texas. To be included in the survey, a thrift must have deposits.Tier 1 capital ratio is tier 1 capital as a percentage of risk-weighted assets.Total capital ratio is total capital as a percentage of risk-weighted assets. For SAIF-insured thrifts the core capital ratio is core capital as a percentage of adjusted tangible assets. For BIF-insured thrifts the core capital ratio is the leverage capital ratio, or tier 1 capital as a percentage of average toyal assets for the fourth quarter net of goodwill and disallowed intangibles. Charter type: institutions are either stock or mutual. A mutual institution is identified with a footnote (M) after its name. All other institutions have stock charters. (M)- A mutual thrift institution. (b)- owned by a commercial banking institution, (c)- Consolidated to include thrift subsidiaries. (f)- Owned by a foreign bank. (H)- In RTC conservatorship program at yearend. Compiled by American Banker, 1995.

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