+++
Top 25 Asset Growth Among Top 300
Gain Asset Asset
Rank Rank 12/96
1 7 World Savings Bank, FSB, Warren, N.J. 16,946.807
2 115 Farmers & Mechanics Bank, Middletown, Conn. 1,395.409
3 51 Roslyn Savings Bank, N.Y. (M) 3,619.468
4 125 BankUnited, FSB, Coral Gables, Fla. 1,330.996
5 84 Regency Savings Bank, FSB, Naperville, Ill. 2,058.644
6 191 Liberty Savings Bank, FSB, Wilmington, Ohio 780.665
7 186 MSB Bank, Goshen, N.Y. 820.346
8 66 Norwest Bank Nevada, FSB, Reno, Nev. 2,771.973
9 139 Dime Savings Bank of Williamsburgh, Brooklyn 1,177.994
10 59 Mid America FSB, Clarendon Hills, Ill. 3,209.059
11 206 Luther Burbank S&LA, Santa Rosa, Calif. 703.425
12 91 Reliance Fed.Savings Bank,Garden City, NY. 1,878.917
13 15 Bank of America, FSB, Portland, Ore. (b) 11,408.584
14 129 Flagstar Bank, FSB, Bloomfield Hills, Mich. 1,297.843
15 163 First Fed.Svgs Bk of America, Fall River, Mas 971.506
16 70 BankAtlantic, FSB, Fort Lauderdale, Fla. 2,599.682
17 190 First Svgs Bank of Wash. FSB, Walla Walla 782.267
18 82 Commonwealth Savings Bank, Malvern, Pa. 2,099.463
19 141 CFX Bank, Keene, N.H. 1,166.567
20 232 Union Savings Bank, Danbury, Conn. (M) 649.275
21 96 Harris Savings Bank, Harrisburg, Pa. 1,768.112
22 161 Hemet Federal Savings & Loan Assn., Calif. 1,001.797
23 47 Ohio Savings Bank, FSB, Cleveland (c) 4,059.647
24 227 Bell Federal Savings & Loan Assn., Pittsburgh 653.312
25 68 Guardian Savings & Loan Assn., Houston 2,686.769
The 25 Largest Decline in Assets Among Top 300
Loss Asset Assets
Rank Rank 12/96
1 36 Household Bank, FSB, Wood Dale, Ill. 5,128.790
2 254 Franklin Federal Bancorp, FSB, Austin, Tex. 588.856
3 5 World Savings & Loan Assn., Oakland, Calif. 21,108.693
4 83 First American Bank, SSB, Bryan, Tex. 2,099.253
5 37 First Bank, FSB, Fargo, N.D. (b) 4,937.221
6 21 Roosevelt Bank, FSB, Chesterfield, Mo. 7,805.142
7 81 Great Lakes Bancorp, FSB, Ann Arbor, Mich. 2,171.092
8 274 First Federal Bank for Savings, Des Plaines, 538.626
9 44 Citizens Savings Bank, Providence, R.I. (f) 4,260.125
10 246 First Coastal Bank, Virginia Beach, Va. 614.097
11 208 Jefferson Savings & Loan Assn., Ballwin, Mo. 685.249
12 259 First Savings Bank of New Jersey, SLA, Bayonn 578.574
13 184 Home FS&LA, Charlotte, N.C. 826.117
14 14 GreenPoint Bank, New York 13,311.791
15 79 EurekaBank, FSB, Foster City, Calif. 2,200.014
16 236 International S&LA, Ltd., Honolulu 639.315
17 220 Mutual Savings Bank, FSB, Bay City, Mich. 664.718
18 6 Dime Savings Bank of New York, FSB 18,851.632
19 113 Franklin First Savings Bank, Wilkes-Barre, Pa 1,407.872
20 133 Superior Fed. Bk, FSB, Fort Smith, Ark. (b) 1,219.544
21 145 First of America Bk-Fla., FSB,St. Petersburg 1,148.598
22 16 Bank United, Houston 11,038.212
23 60 Local Federal Bank, FSB, Oklahoma City (c) 3,145.576
24 2 Great Western Bank, FSB, Chatsworth 40,136.456
25 271 Western Federal Svgs Bank, Missoula, Mont. 548.256
Top 25 in Assets Per Employee (Ast/E)
Ast/E Rank Ast/E
Rank Rank 12/96
1 58 Bluebonnet Savings Bank, FSB, Dallas 43,000
2 7 World Savings Bank, FSB, Warren, N.J. 40,254
3 243 Capital One, FSB, Falls Church, Va. 36,871
4 36 Household Bank, FSB, Wood Dale, Ill. 33,522
5 213 U.S. Svgs Bank of Wash. Bellingham (M) 30,454
6 242 Telebank, Arlington, Va. 19,606
7 68 Guardian Savings & Loan Assn., Houston 17,113
8 206 Luther Burbank S&LA,Santa Rosa, Calif. 13,272
9 264 Union County Savings Bank, Elizabeth, N.J. (M 13,112
10 283 Harrington Bank, FSB, Richmond, Ind. 11,700
11 227 Bell Federal Savings & Loan Assn., Pittsburgh 11,666
12 267 Acacia Federal Savings Bank, Falls Church, Va 11,551
13 118 Beal Bank, SSB, Dallas 11,131
14 63 Investors Savings Bank, Millburn, N.J. (M) 10,043
15 51 Roslyn Savings Bank, N.Y. (M) 9,862
16 201 Kearny Federal Savings Bank, N.J. (M) 9,679
17 288 Pulse Savings Bank, South River, N.J. 9,589
18 45 First Federal Bank of California, Santa Monic 9,397
19 73 Bankers Savings, Perth Amboy, N.J. (b) 9,317
20 30 Washington Federal S&L Assn., Seattle 8,897
21 238 Franklin Federal S&L Assn.,Glen Allen, Va. (M 8,853
22 34 Third Federal S&L Assn.,Cleveland (M) 8,522
23 40 Capitol Federal S&L Assn., Topeka, Kan. (M) 8,136
24 62 Bay View Federal Bank, FSB, San Mateo, Calif. 7,822
25 23 Astoria Fed. S&L Assn., Lake Success, N.Y. 7,798
The 25 Best Ratios of Tier 1 Capital-to-Risk Assets
Ratio assets Ratio
Rank Rank 12/96
1 201 Kearny Federal Savings Bank, N.J. (M) 108.18
2 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 61.96
3 240 Great American Federal S&L Assn., Pittsburgh 55.41
4 58 Bluebonnet Savings Bank, FSB, Dallas 44.33
5 260 Liberty Bank for Savings, Chicago (M) 43.85
6 264 Union County Savings Bank, Elizabeth, N.J. (M 43.09
7 219 Piedmont Fed S&LA, Winston-Salem, N.C. (M) 39.63
8 241 Klamath First FS&LA, Klamath Falls, Ore. 39
9 184 Home Federal Savings & Loan Assn., Charlotte, 37.06
10 257 Fidelity Homestead Assn., New Orleans, La. (M 35.2
11 238 Franklin FS&LA, Glen Allen, Va. (M) 34.78
12 26 Hudson City Savings Bank, Paramus, N.J. (M) 34.45
13 172 Massbank for Savings, Reading, Mass. 32.88
14 94 Ridgewood Savings Bank, Queens, New York (M) 32.39
15 127 Ocean Federal Savings Bank, Toms River, N.J. 30.98
16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 30.38
17 283 Harrington Bank, FSB, Richmond, Ind. 30.13
18 205 Colonial Savings & Loan Assn, FA, Fort Worth, 29.33
19 116 American Savings Bank, New Britain, Conn. (M) 29
20 198 Yakima Federal Savings & Loan Assn., Wash. (M 28.83
21 170 Maspeth FS&LA, Queens, New York (M) 28.8
22 289 Horizon Bank, FSB, Bellingham, Wash. 28.54
23 40 Capitol FS&LA, Topeka, Kan. (M) 28.44
24 68 Guardian Savings & Loan Assn., Houston 28.34
25 249 Trenton Savings Bank, N.J. 27.5
The 25 Ratios of Total Capital-to-Risk Assets
Ratio Asset Ratio
Rank Rank 12/96
1 201 Kearny Federal Savings Bank, N.J. (M) 109.43
2 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 62.48
3 240 Great American FS&LA, Pittsburgh 55.88
4 58 Bluebonnet Savings Bank, FSB, Dallas 44.18
5 260 Liberty Bank for Savings, Chicago (M) 44.16
6 264 Union County Savings Bank, Elizabeth, N.J. (M 43.36
7 219 Piedmont FS&LA, Winston-Salem, N.C. (M) 40.3
8 241 Klamath First Federal S&L Assn., Klamath Fall 39
9 184 Home Federal Savings & Loan Assn., Charlotte, 38.3
10 238 Franklin FS&LA, Glen Allen, Va. (M) 35.68
11 257 Fidelity Homestead Assn., New Orleans, La. (M 35.68
12 26 Hudson City Savings Bank, Paramus, N.J. (M) 35.08
13 172 Massbank for Savings, Reading, Mass. 33.74
14 94 Ridgewood Savings Bank, Queens, New York (M) 32.48
15 127 Ocean Federal Savings Bank, Toms River, N.J. 32.02
16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 30.86
17 283 Harrington Bank, FSB, Richmond, Ind. 30.23
18 116 American Savings Bank, New Britain, Conn. (M) 29.8
19 170 Maspeth Federal S&L, Queens, New York (M) 29.65
20 289 Horizon Bank, FSB, Bellingham, Wash. 29.49
21 205 Colonial Savings & Loan Assn, FA, Fort Worth, 29.23
22 198 Yakima Federal Savings & Loan Assn., Wash. (M 29.06
23 40 Capitol Federal S&LA, Topeka, Kan. (M) 28.48
24 249 Trenton Savings Bank, N.J. 28.4
25 68 Guardian Savings & Loan Assn., Houston 28.38
The 25 Best Core Capital (Leverage Capital) Ratios
Ratio Asset Ratio
Rank Rank 12/96
1 201 Kearny Federal Savings Bank, N.J. (M) 20.7
2 184 Home Federal Savings & Loan Assn., Charlotte, 19.7
3 240 Great American Fed. S&L Assn., Pittsburgh 19.13
4 241 Klamath First Federal S&L Assn., Klamath Fall 18
5 264 Union County Savings Bank, Elizabeth, N.J. (M 17.57
6 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 16.77
7 219 Piedmont FS&LA, Winston-Salem, N.C. (M) 15.95
8 218 Brookline Savings Bank, Mass. (M) 15.86
9 249 Trenton Savings Bank, N.J. 15.6
10 170 Maspeth FS&LA, Queens, New York (M) 15.5
11 116 American Savings Bank, New Britain, Conn. (M) 15.3
12 289 Horizon Bank, FSB, Bellingham, Wash. 15.21
13 260 Liberty Bank for Savings, Chicago (M) 14.9
14 94 Ridgewood Savings Bank, Queens, New York (M) 14.89
15 213 U.S. Savings Bank of Washington, Bellingham ( 14.45
16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 14.28
17 278 First Federal Savings & Loan Assn., Defiance, 13.97
18 198 Yakima Federal Savings & Loan Assn., Wash. (M 13.9
19 110 Jamaica Savings Bank, FSB, Lynbrook, N.Y. 13.54
20 272 Boiling Springs Savings Bank, Rutherford, N.J 13.01
21 127 Ocean Federal Savings Bank, Toms River, N.J. 12.69
22 140 Mutual Svgs Bk of Wisconsin, SA, Milwaukee (M 12.69
23 202 Flushing Savings Bank, Queens, New York 12.67
24 257 Fidelity Homestead Assn., New Orleans, La. (M 12.48
25 40 Capitol Federal S&L Assn., Topeka, Kan. (M) 12.44
Top 25 in Net Income for 1996
Inc. Asset Net Inc
Rank Rank 1996
1 9 First Nationwide Bank, FSB, Dallas 662.9
2 4 Washington Mutual Bank, Seattle (c) 220.8
3 36 Household Bank, FSB, Wood Dale, Ill. 176.3
4 16 Bank United, Houston 136.4
5 1 Home Savings of America, FSB, Irwindale, Cali 134.9
6 14 GreenPoint Bank, New York 132.6
7 13 Charter One Bank, FSB, Cleveland 126.6
8 6 Dime Savings Bank of New York, FSB 116.6
9 12 California Federal Bank, FSB, Los Angeles (c) 116.4
10 5 World Savings & Loan Assn., Oakland, Calif. 108.4
11 2 Great Western Bank, FSB, Chatsworth 98.4
12 27 USAA Federal Savings Bank, San Antonio, Tex. 86.4
13 30 Washington Federal S&L Assn., Seattle 84.2
14 24 First Federal S&L Assn., Rochester, N.Y. 81.5
15 26 Hudson City Savings Bank, Paramus, N.J. (M) 80.8
16 29 Emigrant Savings Bank, New York 80.4
17 22 People's Bank, Bridgeport, Conn. 80.1
18 58 Bluebonnet Savings Bank, FSB, Dallas 76.4
19 44 Citizens Savings Bank, Providence, R.I. (f) 74.6
20 38 TCF Bank Minnesota, FSB, Minneapolis (c) 71.6
21 7 World Savings Bank, FSB, Warren, N.J. 69.2
22 18 Sovereign Bank, FSB, Wyomissing, Pa. 60.5
23 10 Standard Federal Bank, Troy, Mich. 56.6
24 41 Citizens Bank of Massachusetts, Boston (f) 53.1
25 118 Beal Bank, SSB, Dallas 52.7
Top 25 in Home Equity Loans Outstanding
H.E.L. Asset H.E.L
Rank Rank 21/96
1 86 East New York Savings Bank, New York (b) 630.2
2 37 First Bank, FSB, Fargo, N.D. (b) 522.9
3 10 Standard Federal Bank, Troy, Mich. 393.1
4 18 Sovereign Bank, FSB, Wyomissing, Pa. 376.4
5 4 Washington Mutual Bank, Seattle (c) 321.2
6 32 First Financial Bank, FSB, Stevens Point, Wis 296.5
7 13 Charter One Bank, FSB, Cleveland 280.5
8 69 Peoples Heritage Savings Bank, Portland, Me. 273.2
9 9 First Nationwide Bank, FSB, Dallas 243.3
10 44 Citizens Savings Bank, Providence, R.I. (f) 233.8
11 39 Bank of Boston Connecticut, Hartford (b) 218.6
12 53 Security Bank, SSB, Milwaukee 208
13 41 Citizens Bank of Massachusetts, Boston (f) 201.4
14 47 Ohio Savings Bank, FSB, Cleveland (c) 196
15 24 First Federal S&L Assn., Rochester, N.Y. 186.3
16 46 Rochester Community Savings Bank, N.Y. (c) 169
17 27 USAA Fed. Savings Bank, San Antonio, Tex. 139.4
18 49 Webster Bank, FSB, Waterbury, Conn. 138.6
19 48 Citizens Bk of New Hampshire, Manchester (f) 126.4
20 81 Great Lakes Bancorp, FSB, Ann Arbor, Mich. 123.3
21 12 California Federal Bank, FSB, Los Angeles (c) 121.8
22 72 Dollar Bank, FSB, Pittsburgh (M) 113
23 52 American Savings Bank, FSB, Honolulu 109.1
24 136 Derby Savings Bank, Conn. 99
25 38 TCF Bank Minnesota, FSB, Minneapolis (c) 95.8
Top 25 in Home Mortgage Loans Outstanding
Mort Asset Mort Lns
Rank Rank 12/96
1 2 Great Western Bank, FSB, Chatsworth 26,060
2 1 Home Svgs of America, FSB, Irwindale, Calif. 20,899
3 5 World Savings & Loan Assn., Oakland, Calif. 13,377
4 3 American Savings Bank, FA, Irvine, Calif. 13,054
5 7 World Savings Bank, FSB, Warren, N.J. 12,412
6 4 Washington Mutual Bank, Seattle (c) 11,774
7 8 Citibank, FSB, San Francisco (b) 10,601
8 10 Standard Federal Bank, Troy, Mich. 10,535
9 6 Dime Savings Bank of New York, FSB 8,644
10 12 California Federal Bank, FSB, Los Angeles (c) 8,310
11 11 Glendale Federal Bank, FSB, Calif. (c) 8,097
12 16 Bank United, Houston 7,210
13 9 First Nationwide Bank, FSB, Dallas 6,841
14 14 GreenPoint Bank, New York 6,402
15 13 Charter One Bank, FSB, Cleveland 6,340
16 15 Bank of America, FSB, Portland, Ore. (b) 6,255
17 17 LaSalle Bank, FSB, Chicago (f) 5,709
18 18 Sovereign Bank, FSB, Wyomissing, Pa. 5,068
19 24 First Federal S&L Assn., Rochester, N.Y. 5,049
20 19 Guaranty Federal Savings Bank, Dallas 4,863
21 25 Commercial Federal Bank, FSB, Omaha, Neb. 4,439
22 35 Downey S&L Assn., FA, Newport Beach, Calif. 4,120
23 20 Coast Federal Bank, Los Angeles 4,013
24 30 Washington Federal S&L Assn., Seattle 3,974
25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 3,902
Top 25 in Number of Branch Offices
Branch Asset No.Brs
Rank Rank 12/96
1 2 Great Western Bank, FSB, Chatsworth 416
2 1 Home Savings of America, FSB, Irwindale, Cali 391
3 4 Washington Mutual Bank, Seattle (c) 301
4 5 World Savings & Loan Assn., Oakland, Calif. 242
5 8 Citibank, FSB, San Francisco (b) 208
6 10 Standard Federal Bank, Troy, Mich. 182
7 13 Charter One Bank, FSB, Cleveland 172
8 3 American Savings Bank, FA, Irvine, Calif. 158
9 11 Glendale Federal Bank, FSB, Calif. (c) 147
10 38 TCF Bank Minnesota, FSB, Minneapolis (c) 131
11 32 First Financial Bank, FSB, Stevens Point, Wis 128
12 18 Sovereign Bank, FSB, Wyomissing, Pa. 122
13 12 California Federal Bank, FSB, Los Angeles (c) 119
14 9 First Nationwide Bank, FSB, Dallas 116
15 28 Chevy Chase Bank, FSB, McLean, Va. 114
16 19 Guaranty Federal Savings Bank, Dallas 113
17 15 Bank of America, FSB, Portland, Ore. (b) 110
18 25 Commercial Federal Bank, FSB, Omaha, Neb. 105
19 30 Washington Federal S&L Assn., Seattle 102
20 22 People's Bank, Bridgeport, Conn. 93
20 37 First Bank, FSB, Fargo, N.D. (b) 93
22 20 Coast Federal Bank, Los Angeles 90
23 6 Dime Savings Bank of New York, FSB 86
24 48 Citizens Bank of New Hampshire, Manchester (f 84
25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 82
Top 25 in IRA Deposits on Dec.31 1996
IRA Dep IRA Dep
Rank Rank 12/96
1 1 Home Svgs of America, FSB, Irwindale, Calif. 3,391.197
2 2 Great Western Bank, FSB, Chatsworth 2,545.921
3 14 GreenPoint Bank, New York 1,851.751
4 6 Dime Savings Bank of New York, FSB 1,477.812
5 5 World S&L Assn., Oakland, Calif. 1,278.739
6 3 American Savings Bank, FA, Irvine, Calif. 1,262.681
7 10 Standard Federal Bank, Troy, Mich. 1,060.512
8 8 Citibank, FSB, San Francisco (b) 1,012.646
9 12 California Fed Bank, FSB, Los Angeles (c) 927.464
10 17 LaSalle Bank, FSB, Chicago (f) 865.026
11 34 Third Federal S&L Assn., Cleveland (M) 861.088
12 11 Glendale Federal Bank, FSB, Calif. (c) 852.000
13 4 Washington Mutual Bank, Seattle (c) 836.782
14 13 Charter One Bank, FSB, Cleveland 835.591
15 29 Emigrant Savings Bank, New York 785.072
16 9 First Nationwide Bank, FSB, Dallas 781.166
17 19 Guaranty Federal Savings Bank, Dallas 773.723
18 23 Astoria FS&LA, Lake Success, N.Y. 718.066
19 16 Bank United, Houston 666.308
20 40 Capitol Fed. S&L Assn., Topeka, Kan. (M) 661.068
21 43 Apple Bank for Savings, New York (M) 599.845
22 44 Citizens Savings Bank, Providence, R.I. (f) 581.956
23 22 People's Bank, Bridgeport, Conn. 578.655
24 7 World Savings Bank, FSB, Warren, N.J. 562.446
25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 553.345
The 15 Largets Commercial Bank-Owned Thrifts
Asset Dep. Names of Thrifts Assets
Rank Rank Names of Parent Banking Co. 12/96
8 5 Citibank, FSB, San Francisco (b) 16.840
Citicorp, New York
15 66 Bank of America, FSB, Portland, Ore. (b) 11,409
BankAmerica Corp., San Francisco
17 15 LaSalle Bank, FSB, Chicago (f) 10,842
ABN-AMRO Bank, Amsterdam, Netherlands
37 47 First Bank, FSB, Fargo, N.D. (b) 4,937
First Bank System, Minneapolis
39 42 Bank of Boston Connecticut, Hartford (b) 4,630
BankBoston Corp.
41 35 Citizens Bank of Massachusetts, Boston (f) 4,337
Royal Bank of Scotland Plc., Edinburgh, U.K.
44 33 Citizens Savings Bank, Providence, R.I. (f) 4,260
Royal Bank of Scotland Plc., Edinburgh, U.K.
48 46 Citizens Bank of New Hampshire, Manchester (f 3,959
Royal Bank of Scotland Plc., Edinburgh, U.K.
73 76 Bankers Savings, Perth Amboy, N.J. (b) 2,460
Bankers Corp., Perth Amboy, N.J.
86 67 East New York Savings Bank, New York (b) 1,996
First Empire Corp., Buffalo, N.Y.
113 131 Franklin First Savings Bank, Wilkes-Barre, Pa 1,408
Onbancorp, Inc., Syracuse, N.Y.
131 345 Banco Popular, FSB, Newark, N.J. (b) 1,277
BanPonce Corp., Hato Rey, P.R.
132 140 First Federal Savings & Loan Assn., Honolulu 1,224
Bancorp Hawaii, Inc., Honolulu
133 116 Superior Federal Bank, FSB, Fort Smith, (b) 1,220
NationsBank Corp., Charlotte, N.C.
145 130 First of America Bank-Florida, FSB, St. Peter 1,149
First of America Bank Corp., Grand Rapids, Mich.
part 2 of 2
second column of tables above
Top 25 Asset Growth Among Top 300
Gain Asset
Rank Rank % Gain
1 7 World Savings Bank, FSB, Warren, N.J. 321.51
2 115 Farmers & Mechanics Bank, Middletown, Conn. 171.13
3 51 Roslyn Savings Bank, N.Y. (M) 125.95
4 125 BankUnited, FSB, Coral Gables, Fla. 109.77
5 84 Regency Savings Bank, FSB, Naperville, Ill. 85.76
6 191 Liberty Savings Bank, FSB, Wilmington, Ohio 81.67
7 186 MSB Bank, Goshen, N.Y. 80.78
8 66 Norwest Bank Nevada, FSB, Reno, Nev. 77.11
9 139 Dime Savings Bank of Williamsburgh, Brooklyn 76.58
10 59 Mid America FSB, Clarendon Hills, Ill. 67.71
11 206 Luther Burbank S&LA, Santa Rosa, Calif. 64.24
12 91 Reliance Fed.Savings Bank,Garden City, NY. 60.08
13 15 Bank of America, FSB, Portland, Ore. (b) 54.8
14 129 Flagstar Bank, FSB, Bloomfield Hills, Mich. 54.14
15 163 First Fed.Svgs Bk of America, Fall River, Mas 52.9
16 70 BankAtlantic, FSB, Fort Lauderdale, Fla. 48.81
17 190 First Svgs Bank of Wash. FSB, Walla Walla 44.35
18 82 Commonwealth Savings Bank, Malvern, Pa. 44.09
19 141 CFX Bank, Keene, N.H. 43.38
20 232 Union Savings Bank, Danbury, Conn. (M) 43.1
21 96 Harris Savings Bank, Harrisburg, Pa. 40.79
22 161 Hemet Federal Savings & Loan Assn., Calif. 38.5
23 47 Ohio Savings Bank, FSB, Cleveland (c) 35.32
24 227 Bell Federal Savings & Loan Assn., Pittsburgh 34.81
25 68 Guardian Savings & Loan Assn., Houston 34.41
The 25 Largest Decline in Assets Among Top 300
Loss Asset
Rank Rank Drop
1 36 Household Bank, FSB, Wood Dale, Ill. -38.85
2 254 Franklin Federal Bancorp, FSB, Austin, Tex. -35.82
3 5 World Savings & Loan Assn., Oakland, Calif. -30.66
4 83 First American Bank, SSB, Bryan, Tex. -18.32
5 37 First Bank, FSB, Fargo, N.D. (b) -17.23
6 21 Roosevelt Bank, FSB, Chesterfield, Mo. -13.99
7 81 Great Lakes Bancorp, FSB, Ann Arbor, Mich. -13.94
8 274 First Federal Bank for Savings, Des Plaines, -13.49
9 44 Citizens Savings Bank, Providence, R.I. (f) -12.98
10 246 First Coastal Bank, Virginia Beach, Va. -12.53
11 208 Jefferson Savings & Loan Assn., Ballwin, Mo. -12.24
12 259 First Savings Bank of New Jersey, SLA, Bayonn -11.95
13 184 Home FS&LA, Charlotte, N.C. -11.07
14 14 GreenPoint Bank, New York -9.22
15 79 EurekaBank, FSB, Foster City, Calif. -8.74
16 236 International S&LA, Ltd., Honolulu -8.22
17 220 Mutual Savings Bank, FSB, Bay City, Mich. -7.81
18 6 Dime Savings Bank of New York, FSB -7.26
19 113 Franklin First Savings Bank, Wilkes-Barre, Pa -6.32
20 133 Superior Fed. Bk, FSB, Fort Smith, Ark. (b) -6.2
21 145 First of America Bk-Fla., FSB,St. Petersburg -5.85
22 16 Bank United, Houston -4.82
23 60 Local Federal Bank, FSB, Oklahoma City (c) -4.53
24 2 Great Western Bank, FSB, Chatsworth -4.46
25 271 Western Federal Svgs Bank, Missoula, Mont. -3.8
Top 25 in Assets Per Employee (Ast/E)
Ast/E Rank No.of
Rank Rank Empl.
1 58 Bluebonnet Savings Bank, FSB, Dallas 75
2 7 World Savings Bank, FSB, Warren, N.J. 421
3 243 Capital One, FSB, Falls Church, Va. 17
4 36 Household Bank, FSB, Wood Dale, Ill. 153
5 213 U.S. Svgs Bank of Wash. Bellingham (M) 22
6 242 Telebank, Arlington, Va. 32
7 68 Guardian Savings & Loan Assn., Houston 157
8 206 Luther Burbank S&LA,Santa Rosa, Calif. 53
9 264 Union County Savings Bank, Elizabeth, N.J. (M 43
10 283 Harrington Bank, FSB, Richmond, Ind. 45
11 227 Bell Federal Savings & Loan Assn., Pittsburgh 56
12 267 Acacia Federal Savings Bank, Falls Church, Va 48
13 118 Beal Bank, SSB, Dallas 123
14 63 Investors Savings Bank, Millburn, N.J. (M) 293
15 51 Roslyn Savings Bank, N.Y. (M) 367
16 201 Kearny Federal Savings Bank, N.J. (M) 76
17 288 Pulse Savings Bank, South River, N.J. 53
18 45 First Federal Bank of California, Santa Monic 442
19 73 Bankers Savings, Perth Amboy, N.J. (b) 264
20 30 Washington Federal S&L Assn., Seattle 660
21 238 Franklin Federal S&L Assn.,Glen Allen, Va. (M 72
22 34 Third Federal S&L Assn.,Cleveland (M) 617
23 40 Capitol Federal S&L Assn., Topeka, Kan. (M) 549
24 62 Bay View Federal Bank, FSB, San Mateo, Calif. 383
25 23 Astoria Fed. S&L Assn., Lake Success, N.Y. 930
The 25 Best Ratios of Tier 1 Capital-to-Risk Assets
Ratio assets $ Amt
Rank Rank Tier 1
1 201 Kearny Federal Savings Bank, N.J. (M) 150.9
2 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 124.5
3 240 Great American Federal S&L Assn., Pittsburgh 121
4 58 Bluebonnet Savings Bank, FSB, Dallas 255.1
5 260 Liberty Bank for Savings, Chicago (M) 84.3
6 264 Union County Savings Bank, Elizabeth, N.J. (M 97.9
7 219 Piedmont Fed S&LA, Winston-Salem, N.C. (M) 105.2
8 241 Klamath First FS&LA, Klamath Falls, Ore. 114.2
9 184 Home Federal Savings & Loan Assn., Charlotte, 161.8
10 257 Fidelity Homestead Assn., New Orleans, La. (M 73.1
11 238 Franklin FS&LA, Glen Allen, Va. (M) 68.1
12 26 Hudson City Savings Bank, Paramus, N.J. (M) 711.9
13 172 Massbank for Savings, Reading, Mass. 85.7
14 94 Ridgewood Savings Bank, Queens, New York (M) 270
15 127 Ocean Federal Savings Bank, Toms River, N.J. 165.5
16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 70.1
17 283 Harrington Bank, FSB, Richmond, Ind. 33.4
18 205 Colonial Savings & Loan Assn, FA, Fort Worth, 79
19 116 American Savings Bank, New Britain, Conn. (M) 204.9
20 198 Yakima Federal Savings & Loan Assn., Wash. (M 103.7
21 170 Maspeth FS&LA, Queens, New York (M) 139
22 289 Horizon Bank, FSB, Bellingham, Wash. 76.5
23 40 Capitol FS&LA, Topeka, Kan. (M) 554.5
24 68 Guardian Savings & Loan Assn., Houston 143.6
25 249 Trenton Savings Bank, N.J. 92.3
The 25 Ratios of Total Capital-to-Risk Assets
Ratio Asset $ Amt
Rank Rank Total
1 201 Kearny Federal Savings Bank, N.J. (M) 152.6
2 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 125.5
3 240 Great American FS&LA, Pittsburgh 122.1
4 58 Bluebonnet Savings Bank, FSB, Dallas 254.2
5 260 Liberty Bank for Savings, Chicago (M) 84.9
6 264 Union County Savings Bank, Elizabeth, N.J. (M 98.5
7 219 Piedmont FS&LA, Winston-Salem, N.C. (M) 107
8 241 Klamath First Federal S&L Assn., Klamath Fall 115.1
9 184 Home Federal Savings & Loan Assn., Charlotte, 167.3
10 238 Franklin FS&LA, Glen Allen, Va. (M) 69.9
11 257 Fidelity Homestead Assn., New Orleans, La. (M 74.1
12 26 Hudson City Savings Bank, Paramus, N.J. (M) 724.9
13 172 Massbank for Savings, Reading, Mass. 87.9
14 94 Ridgewood Savings Bank, Queens, New York (M) 271.4
15 127 Ocean Federal Savings Bank, Toms River, N.J. 171.2
16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 71.2
17 283 Harrington Bank, FSB, Richmond, Ind. 33.5
18 116 American Savings Bank, New Britain, Conn. (M) 210.5
19 170 Maspeth Federal S&L, Queens, New York (M) 143.1
20 289 Horizon Bank, FSB, Bellingham, Wash. 79
21 205 Colonial Savings & Loan Assn, FA, Fort Worth, 78.8
22 198 Yakima Federal Savings & Loan Assn., Wash. (M 104.6
23 40 Capitol Federal S&LA, Topeka, Kan. (M) 555.3
24 249 Trenton Savings Bank, N.J. 95.2
25 68 Guardian Savings & Loan Assn., Houston 143.7
The 25 Best Core Capital (Leverage Capital) Ratios
Ratio Asset $ Amt
Rank Rank Tier 1
1 201 Kearny Federal Savings Bank, N.J. (M) 150.9
2 184 Home Federal Savings & Loan Assn., Charlotte, 161.8
3 240 Great American Fed. S&L Assn., Pittsburgh 121
4 241 Klamath First Federal S&L Assn., Klamath Fall 114.2
5 264 Union County Savings Bank, Elizabeth, N.J. (M 97.9
6 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 124.5
7 219 Piedmont FS&LA, Winston-Salem, N.C. (M) 105.2
8 218 Brookline Savings Bank, Mass. (M) 105.3
9 249 Trenton Savings Bank, N.J. 92.3
10 170 Maspeth FS&LA, Queens, New York (M) 139
11 116 American Savings Bank, New Britain, Conn. (M) 204.9
12 289 Horizon Bank, FSB, Bellingham, Wash. 76.5
13 260 Liberty Bank for Savings, Chicago (M) 84.3
14 94 Ridgewood Savings Bank, Queens, New York (M) 270
15 213 U.S. Savings Bank of Washington, Bellingham ( 101.8
16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 70.1
17 278 First Federal Savings & Loan Assn., Defiance, 74.6
18 198 Yakima Federal Savings & Loan Assn., Wash. (M 103.7
19 110 Jamaica Savings Bank, FSB, Lynbrook, N.Y. 188.3
20 272 Boiling Springs Savings Bank, Rutherford, N.J 70.5
21 127 Ocean Federal Savings Bank, Toms River, N.J. 165.5
22 140 Mutual Svgs Bk of Wisconsin, SA, Milwaukee (M 152.5
23 202 Flushing Savings Bank, Queens, New York 93.1
24 257 Fidelity Homestead Assn., New Orleans, La. (M 73.1
25 40 Capitol Federal S&L Assn., Topeka, Kan. (M) 554.5
Top 25 in Net Income for 1996
Inc. Asset Net Inc
Rank Rank 1996
1 9 First Nationwide Bank, FSB, Dallas 211.3
2 4 Washington Mutual Bank, Seattle (c) 178.6
3 36 Household Bank, FSB, Wood Dale, Ill. 206
4 16 Bank United, Houston 66.2
5 1 Home Savings of America, FSB, Irwindale, Cali 272.4
6 14 GreenPoint Bank, New York 97.4
7 13 Charter One Bank, FSB, Cleveland 40.7
8 6 Dime Savings Bank of New York, FSB 76.4
9 12 California Federal Bank, FSB, Los Angeles (c) 93.6
10 5 World Savings & Loan Assn., Oakland, Calif. 271.9
11 2 Great Western Bank, FSB, Chatsworth 239.5
12 27 USAA Federal Savings Bank, San Antonio, Tex. 85.7
13 30 Washington Federal S&L Assn., Seattle 78.3
14 24 First Federal S&L Assn., Rochester, N.Y. 47.2
15 26 Hudson City Savings Bank, Paramus, N.J. (M) 67.8
16 29 Emigrant Savings Bank, New York 72.1
17 22 People's Bank, Bridgeport, Conn. 71
18 58 Bluebonnet Savings Bank, FSB, Dallas 73.6
19 44 Citizens Savings Bank, Providence, R.I. (f) 40
20 38 TCF Bank Minnesota, FSB, Minneapolis (c) 82.6
21 7 World Savings Bank, FSB, Warren, N.J. -3.5
22 18 Sovereign Bank, FSB, Wyomissing, Pa. 61.6
23 10 Standard Federal Bank, Troy, Mich. 119.9
24 41 Citizens Bank of Massachusetts, Boston (f) 26.9
25 118 Beal Bank, SSB, Dallas 27.4
Top 25 in Home Equity Loans Outstanding
H.E.L. Asset H.E.L
Rank Rank 21/96
1 86 East New York Savings Bank, New York (b) 596.9
2 37 First Bank, FSB, Fargo, N.D. (b) 292.5
3 10 Standard Federal Bank, Troy, Mich. 348.4
4 18 Sovereign Bank, FSB, Wyomissing, Pa. 329.9
5 4 Washington Mutual Bank, Seattle (c) 326.9
6 32 First Financial Bank, FSB, Stevens Point, Wis 284.5
7 13 Charter One Bank, FSB, Cleveland 229.6
8 69 Peoples Heritage Savings Bank, Portland, Me. 236.5
9 9 First Nationwide Bank, FSB, Dallas 399.7
10 44 Citizens Savings Bank, Providence, R.I. (f) 227.3
11 39 Bank of Boston Connecticut, Hartford (b) 256.9
12 53 Security Bank, SSB, Milwaukee 165.9
13 41 Citizens Bank of Massachusetts, Boston (f) 160.2
14 47 Ohio Savings Bank, FSB, Cleveland (c) 194.5
15 24 First Federal S&L Assn., Rochester, N.Y. 184.7
16 46 Rochester Community Savings Bank, N.Y. (c) 163.7
17 27 USAA Fed. Savings Bank, San Antonio, Tex. 121.1
18 49 Webster Bank, FSB, Waterbury, Conn. 118.8
19 48 Citizens Bk of New Hampshire, Manchester (f) 141.3
20 81 Great Lakes Bancorp, FSB, Ann Arbor, Mich. 105
21 12 California Federal Bank, FSB, Los Angeles (c) 137.8
22 72 Dollar Bank, FSB, Pittsburgh (M) 147.1
23 52 American Savings Bank, FSB, Honolulu 100.8
24 136 Derby Savings Bank, Conn. 79.4
25 38 TCF Bank Minnesota, FSB, Minneapolis (c) 90
Top 25 in Home Mortgage Loans Outstanding
Mort Asset Mort Lns
Rank Rank 12/96
1 2 Great Western Bank, FSB, Chatsworth 24,829
2 1 Home Svgs of America, FSB, Irwindale, Calif. 20,533
3 5 World Savings & Loan Assn., Oakland, Calif. 20,500
4 3 American Savings Bank, FA, Irvine, Calif. 9,487
5 7 World Savings Bank, FSB, Warren, N.J. 3,535
6 4 Washington Mutual Bank, Seattle (c) 9,491
7 8 Citibank, FSB, San Francisco (b) 9,091
8 10 Standard Federal Bank, Troy, Mich. 8,402
9 6 Dime Savings Bank of New York, FSB 7,288
10 12 California Federal Bank, FSB, Los Angeles (c) 7,339
11 11 Glendale Federal Bank, FSB, Calif. (c) 6,454
12 16 Bank United, Houston 7,564
13 9 First Nationwide Bank, FSB, Dallas 7,823
14 14 GreenPoint Bank, New York 5,301
15 13 Charter One Bank, FSB, Cleveland 5,278
16 15 Bank of America, FSB, Portland, Ore. (b) 3,065
17 17 LaSalle Bank, FSB, Chicago (f) 5,729
18 18 Sovereign Bank, FSB, Wyomissing, Pa. 4,107
19 24 First Federal S&L Assn., Rochester, N.Y. 5,003
20 19 Guaranty Federal Savings Bank, Dallas 4,224
21 25 Commercial Federal Bank, FSB, Omaha, Neb. 4,192
22 35 Downey S&L Assn., FA, Newport Beach, Calif. 3,692
23 20 Coast Federal Bank, Los Angeles 3,262
24 30 Washington Federal S&L Assn., Seattle 3,246
25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 37
Top 25 in Number of Branch Offices
Branch Asset No.Brs
Rank Rank 12/96
1 2 Great Western Bank, FSB, Chatsworth 417
2 1 Home Savings of America, FSB, Irwindale, Cali 341
3 4 Washington Mutual Bank, Seattle (c) 231
4 5 World Savings & Loan Assn., Oakland, Calif. 227
5 8 Citibank, FSB, San Francisco (b) 209
6 10 Standard Federal Bank, Troy, Mich. 166
7 13 Charter One Bank, FSB, Cleveland 155
8 3 American Savings Bank, FA, Irvine, Calif. 158
9 11 Glendale Federal Bank, FSB, Calif. (c) 150
10 38 TCF Bank Minnesota, FSB, Minneapolis (c) 131
11 32 First Financial Bank, FSB, Stevens Point, Wis 129
12 18 Sovereign Bank, FSB, Wyomissing, Pa. 120
13 12 California Federal Bank, FSB, Los Angeles (c) 132
14 9 First Nationwide Bank, FSB, Dallas 160
15 28 Chevy Chase Bank, FSB, McLean, Va. 91
16 19 Guaranty Federal Savings Bank, Dallas 112
17 15 Bank of America, FSB, Portland, Ore. (b) 46
18 25 Commercial Federal Bank, FSB, Omaha, Neb. 89
19 30 Washington Federal S&L Assn., Seattle 89
20 22 People's Bank, Bridgeport, Conn. 81
20 37 First Bank, FSB, Fargo, N.D. (b) 89
22 20 Coast Federal Bank, Los Angeles 89
23 6 Dime Savings Bank of New York, FSB 87
24 48 Citizens Bank of New Hampshire, Manchester (f 86
25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 79
Top 25 in IRA Deposits on Dec.31 1996
IRA Dep
Rank Rank % Chng
1 1 Home Svgs of America, FSB, Irwindale, Calif. -0.7
2 2 Great Western Bank, FSB, Chatsworth -7.19
3 14 GreenPoint Bank, New York -11.93
4 6 Dime Savings Bank of New York, FSB -5.89
5 5 World S&L Assn., Oakland, Calif. -26.85
6 3 American Savings Bank, FA, Irvine, Calif. -9.45
7 10 Standard Federal Bank, Troy, Mich. 22.75
8 8 Citibank, FSB, San Francisco (b) -18.65
9 12 California Fed Bank, FSB, Los Angeles (c) -9.82
10 17 LaSalle Bank, FSB, Chicago (f) -0.94
11 34 Third Federal S&L Assn., Cleveland (M) 3.79
12 11 Glendale Federal Bank, FSB, Calif. (c) -13.43
13 4 Washington Mutual Bank, Seattle (c) -2.78
14 13 Charter One Bank, FSB, Cleveland 5.89
15 29 Emigrant Savings Bank, New York -0.98
16 9 First Nationwide Bank, FSB, Dallas -36.81
17 19 Guaranty Federal Savings Bank, Dallas -5.92
18 23 Astoria FS&LA, Lake Success, N.Y. 10.1
19 16 Bank United, Houston -7.76
20 40 Capitol Fed. S&L Assn., Topeka, Kan. (M) -0.07
21 43 Apple Bank for Savings, New York (M) -1.95
22 44 Citizens Savings Bank, Providence, R.I. (f) -12.09
23 22 People's Bank, Bridgeport, Conn. -1.43
24 7 World Savings Bank, FSB, Warren, N.J. 461.03
25 21 Roosevelt Bank, FSB, Chesterfield, Mo. N.M.
The 15 Largets Commercial Bank-Owned Thrifts
Asset Dep. Names of Thrifts Deposits
Rank Rank Names of Parent Banking Co. 12/96
8 5 Citibank, FSB, San Francisco (b) 12,704
Citicorp, New York
15 66 Bank of America, FSB, Portland, Ore. (b) 1,773
BankAmerica Corp., San Francisco
17 15 LaSalle Bank, FSB, Chicago (f) 7,713
ABN-AMRO Bank, Amsterdam, Netherlands
37 47 First Bank, FSB, Fargo, N.D. (b) 2,675
First Bank System, Minneapolis
39 42 Bank of Boston Connecticut, Hartford (b) 3,148
BankBoston Corp.
41 35 Citizens Bank of Massachusetts, Boston (f) 3,591
Royal Bank of Scotland Plc., Edinburgh, U.K.
44 33 Citizens Savings Bank, Providence, R.I. (f) 3,737
Royal Bank of Scotland Plc., Edinburgh, U.K.
48 46 Citizens Bank of New Hampshire, Manchester (f 2,741
Royal Bank of Scotland Plc., Edinburgh, U.K.
73 76 Bankers Savings, Perth Amboy, N.J. (b) 1,641
Bankers Corp., Perth Amboy, N.J.
86 67 East New York Savings Bank, New York (b) 1,764
First Empire Corp., Buffalo, N.Y.
113 131 Franklin First Savings Bank, Wilkes-Barre, Pa 915
Onbancorp, Inc., Syracuse, N.Y.
131 345 Banco Popular, FSB, Newark, N.J. (b) 211
BanPonce Corp., Hato Rey, P.R.
132 140 First Federal Savings & Loan Assn., Honolulu 863
Bancorp Hawaii, Inc., Honolulu
133 116 Superior Federal Bank, FSB, Fort Smith, (b) 1,002
NationsBank Corp., Charlotte, N.C.
145 130 First of America Bank-Florida, FSB, St. Peter 921
First of America Bank Corp., Grand Rapids, Mi
