+++ part 1 of 3 Rank Total Assets Jun-99 6/30/99
1 Washington Mutual, Seattle $172,819,938.00
2 Golden State Bancorp, San Francisco. 56,835,305.00
3 Golden West Financial Corp., Oakland, Calif 38,026,973.00
4 Sovereign Bancorp, Wyomissing, Pa. 24,741,588.00
5 Astoria Financial Corp., Lake Success, N.Y. 23,099,676.00
6 Dime Bancorp, New York 21,375,808.00
7 Bank United Corp., New York 15,405,075.00
8 GP Financial Corp., New York 14,823,275.00
9 Peoples Heritage Financial Group, Portland, 13,642,985.00 10 Commercial Federal Corp., Omaha, Neb. 12,875,827.00 11 People's Mutual Holdings, Bridgeport, Conn. 10,373,440.00 12 Webster Financial Corp., Waterbury, Conn. 8,897,313.00 13 Hudson City Savings, Paramus, N.J. 8,210,966.00 14 Roslyn Bancorp, N.Y. 7,515,895.00 15 Downey Financial Corp., Newport Beach, Cali 7,330,742.00 16 Ohio Savings Financial Corp., Cleveland 6,968,414.00 17 Emigrant Bancorp, New York 6,383,974.00 18 Third Federal Savings, Cleveland 6,177,100.00 19 Capitol Federal Savings, Topeka, Kan. 6,155,173.00 20 Apple Bank for Savings, New York 5,916,747.00 21 St. Paul Bancorp, Chicago 5,877,229.00 22 Washington Federal, Seattle 5,737,420.00 23 Independence Community Bank, New York 5,429,507.00 24 Westcorp, Irvine, Calif. 4,782,461.00 25 Investor Bancorp, Millburn, N.J. 4,554,570.00 26 MAF Bancorp, Clarendon Hills, Ill. 4,235,700.00 27 BankAtlantic Bancorp, Fort Lauderdale, Fla. 4,145,776.00 28 Staten Island Bancorp, New York 3,946,601.00 29 Bankunited Financial Corp., Coral Gables, F 3,875,716.00 30 Flagstar Bancorp, Bloomfield Hills, Mich. 3,748,129.00 31 FirstFed Financial Corp., Santa Monica, Cal 3,650,181.00 32 Bank Plus Corp., Glendale, Calif. 3,290,649.00 33 Dollar Bank, Pittsburgh 3,267,098.00 34 Telebank, Arlington, Va. 3,191,712.00 35 Northwest Savings Bank, Warren, Pa. 3,079,907.00 36 Coastal Bancorp, Houston 2,940,071.00 37 PFF Bancorp, Pomona, Calif. 2,833,400.00 38 Haven Bancorp, New York 2,805,301.00 39 Richmond County Financial Corp., New York 2,767,709.00 40 Eastern Bancorp., Lynn, Mass. 2,731,704.00 41 Anchor Bancorp Wisconsin, Madison 2,698,348.00 42 Harris Savings Bank MHC, Harrisburg, Pa. 2,661,358.00 43 InterWest Bancorp, Oak Harbor, Wash. 2,499,189.00 44 Sterling Financial Corp., Spokane, Wash. 2,496,015.00 45 Provident Savings Bank, Jersey City, N.J. 2,472,404.00 46 Ocwen Financial Group, W.Palm Beach, Fla. 2,463,072.00 47 Reliance Bancorp, Garden City, N.Y. 2,444,085.00 48 St. Francis Capital, Milwaukee 2,412,727.00 49 Ridgewood Savings Bank, New York 2,274,809.00 50 Dime Community Bancorp, New York 2,188,685.00
Totals for the Top 50 Thrift Holding Cos. $569,077,747 51 New Haven Savings Bank, Conn. $2,082,025.00 52 Commo 2,068,797.00 2,348,131.00 53 Seacoast Financial Services Corp., New Bedf 2,005,603.00 54 First American Bank Texas SSB, Bryan, Tex. 1,989,102.00 55 Middlesex Savings Bank, Natick, Mass. 1,931,652.00 56 Alliance Bancorp, Hinsdale, Ill. 1,923,984.00 57 First Indiana Corp., Indianapolis 1,914,286.00 58 D&N Financial Corp., Hancock, Mich. 1,905,898.00 59 Columbia Savings Bank, Fair Lawn, N.J. 1,898,780.00 60 First Federal Capital Corp., LaCrosse, Wis. 1,892,096.00 61 Queens County Bancorp, New York 1,874,940.00 62 First Source Bancorp, Woodbridge, N.J. 1,833,875.00 63 Coast to Coast, Hinsdale, Ill. 1,825,541.00 64 First Washington Bancorp, Walla Walla 1,703,419.00 65 First Trust, Flourtown, Pa. 1,686,656.00 66 WSFS Financial Corp., Wilmington, Del. 1,678,008.00 67 Beneficial Mutual, Philadelphia 1,677,720.00 68 FidelityBankshares, W. Palm Beach, Fla. 1,675,486.00 69 First Liberty Financial Corp., Atlanta, Ga. 1,652,908.00 70 JSB Financial, Lynbrook, N.Y. 1,613,700.00 71 American Savings Bank, New Britain, Conn. 1,613,378.00 72 Niagara Bancorp, Lockport, N.Y. 1,595,342.00 73 Ocean Financial Corp., Brick, N.J. 1,572,875.00 74 Hawthorne Financial Corp., El Segundo, Cali 1,567,490.00 75 PennFed Financial Services, W. Orange, N.J. 1,558,380.00 76 Jefferson Savings Bancorp, Ballwin, Mo. 1,525,552.00 77 Liberty Bank, Middleton, Conn. 1,524,969.00 78 Andover Bancorp, Mass. 1,487,238.00 79 Harbor Florida Bancshares, Ft. Pierce 1,432,963.00 80 North Shore Bank, Brookfield, Wis. 1,431,686.00 81 CFS Bancorp, Munster, Ind. 1,408,347.00 82 FirstFed America Bancorp, Fall River, Mass. 1,404,110.00 83 Beal Bank SSB, Dallas 1,379,097.00 84 York Financial Corp., Pa. 1,356,502.00 85 First Essex Bancorp, Lawrence, Mass. 1,345,235.00 86 Home Federal Bank of Tenn., Knoxville 1,302,355.00 87 American Federal Bank, Greenville, S.C. 1,252,811.00 88 Financial Equity, Olympia Fields, Ill. 1,243,119.00 89 First Lincoln Bancshares, Lincoln, Neb. 1,216,005.00 90 Parkvale Financial Corp., Monroeville, Pa. 1,200,759.00 91 Eagle Bancshares, Tucker, Ga. 1,199,184.00 92 Medford Bancorp, Mass. 1,197,761.00 93 Cambridge Financial Group, Mass. 1,178,388.00 94 Bangor Savings Bank, Maine 1,174,720.00 95 Flushing Financial Corp, New York 1,170,366.00 96 Connecticut Bankshares MHC, Manchester 1,160,391.00 97 United Community Financial Corp., Youngstow 1,139,433.00 98 Mech Financial, Hartford, Conn. 1,105,418.00 99 Kearny Bancorp, N.J. 1,103,967.00 100 Continental, Seattle 1,081,207.00
Totals for the Top 100 Thrift Holding Cos. $645,841,271
Totals for the 1,652 FDIC-insured
savings institutions reporting $1,125,800,000 part 2 of 3 Rank Pct. Chg Total Deposits Jun-99 6/30/98 1998-199 6/30/99 6/30/98
1 $165,400,000.00 4.50% $83,525,471.00 $50,633,919.00
2 34,050,000.00 66.9 23,920,689.00 10,698,265.00
3 39,067,229.00 -2.7 24,993,708.00 26,335,706.00
4 18,687,546.00 32.4 12,321,140.00 9,432,247.00
5 18,010,768.00 28.3 9,862,312.00 9,908,166.00
6 20,898,942.00 2.3 13,461,872.00 14,143,808.00
7 13,066,427.00 17.9 7,259,404.00 6,819,686.00
8 12,850,269.00 15.4 11,792,194.00 11,037,644.00
9 9,821,966.00 38.9 8,357,233.00 7,009,146.00 10 8,865,695.00 45.2 7,748,214.00 5,499,777.00 11 9,121,691.00 13.7 7,023,095.00 6,635,253.00 12 9,056,092.00 -1.8 5,737,682.00 5,777,807.00 13 7,550,340.00 8.7 7,227,792.00 6,652,952.00 14 7,855,007.00 -4.3 4,256,626.00 4,243,302.00 15 5,831,557.00 25.7 5,484,176.00 5,180,178.00 16 5,720,127.00 21.8 5,807,463.00 4,933,548.00 17 6,129,585.00 4.2 5,425,211.00 5,317,462.00 18 5,486,895.00 12.6 4,809,067.00 4,604,508.00 19 5,319,947.00 15.7 4,058,417.00 3,953,620.00 20 4,725,808.00 25.2 5,085,149.00 4,345,552.00 21 4,439,505.00 32.4 3,787,499.00 3,318,814.00 22 5,557,616.00 3.2 3,300,153.00 3,037,639.00 23 4,698,648.00 15.6 3,555,931.00 3,512,736.00 24 3,690,182.00 29.6 2,088,813.00 2,008,538.00 25 3,551,673.00 28.2 2,192,497.00 2,047,991.00 26 3,533,780.00 19.9 2,731,053.00 2,416,658.00 27 3,652,596.00 13.5 2,282,374.00 1,910,105.00 28 2,910,439.00 35.6 1,831,853.00 1,681,479.00 29 3,515,329.00 10.3 2,248,406.00 2,029,739.00 30 2,573,831.00 45.6 2,444,646.00 1,591,429.00 31 4,023,583.00 -9.3 2,020,544.00 2,154,137.00 32 4,282,200.00 -23.2 2,623,280.00 3,063,862.00 33 2,767,525.00 18.1 2,937,097.00 2,494,668.00 34 1,154,433.00 176.5 1,740,598.00 679,782.00 35 2,562,584.00 20.2 2,463,711.00 2,022,503.00 36 2,977,885.00 -1.3 1,633,601.00 1,371,375.00 37 2,957,857.00 -4.2 1,858,137.00 1,750,688.00 38 2,235,985.00 25.5 1,955,437.00 1,580,357.00 39 1,513,585.00 82.9 1,625,496.00 955,956.00 40 2,611,551.00 4.6 2,261,427.00 2,185,667.00 41 2,036,493.00 32.5 1,879,990.00 1,447,101.00 42 2,316,123.00 14.9 1,295,712.00 1,142,082.00 43 2,357,064.00 6 1,555,759.00 1,494,806.00 44 2,077,200.00 20.2 1,628,226.00 1,539,788.00 45 2,152,162.00 14.9 2,077,215.00 1,832,095.00 46 2,642,454.00 -6.8 1,978,792.00 2,176,381.00 47 2,454,430.00 -0.4 1,557,134.00 1,639,720.00 48 1,754,271.00 37.5 1,493,238.00 1,135,763.00 49 2,213,478.00 2.8 1,811,282.00 1,790,146.00 50 1,602,500.00 36.6 1,283,808.00 1,053,782.00
$494,332,853 15.10% $322,300,624.00 $260,228,333.00 51 $1,981,702.00 5.10% $1,662,051.00 $1,588,782.00 52 Commo -11.9 ######## 1,616,728.00 -1.5 53 1,188,736.00 68.7 1,569,418.00 1,000,361.00 54 2,044,854.00 -2.7 1,551,170.00 1,706,544.00 55 1,744,485.00 10.7 1,583,734.00 1,431,719.00 56 2,052,952.00 -6.3 1,252,181.00 1,342,472.00 57 1,748,747.00 9.5 1,353,903.00 1,225,092.00 58 1,917,716.00 -0.6 1,270,839.00 1,119,835.00 59 1,715,660.00 10.7 1,477,741.00 1,332,070.00 60 1,600,825.00 18.2 1,458,255.00 1,285,629.00 61 1,715,107.00 9.3 1,168,237.00 1,101,853.00 62 1,211,580.00 51.4 1,287,268.00 872,088.00 63 1,392,249.00 31.1 1,301,628.00 808,600.00 64 1,352,353.00 26 1,015,929.00 748,255.00 65 1,602,228.00 5.3 1,152,012.00 999,206.00 66 1,551,539.00 8.2 928,449.00 793,338.00 67 1,535,808.00 9.2 1,369,589.00 1,295,158.00 68 1,466,742.00 14.2 1,241,071.00 1,029,851.00 69 1,512,574.00 9.3 1,178,258.00 1,080,888.00 70 1,528,155.00 5.6 1,175,955.00 1,198,220.00 71 1,510,920.00 6.8 1,165,163.00 1,129,509.00 72 1,315,235.00 21.3 1,105,791.00 1,043,805.00 73 1,534,408.00 2.5 1,050,077.00 1,019,146.00 74 1,199,216.00 30.7 1,057,819.00 893,925.00 75 1,544,200.00 0.9 1,078,060.00 1,048,095.00 76 1,248,923.00 22.1 1,019,285.00 1,046,001.00 77 1,426,576.00 6.9 1,286,098.00 1,180,644.00 78 1,397,349.00 6.4 982,477.00 976,147.00 79 1,318,989.00 8.6 989,255.00 942,921.00 80 1,222,699.00 17.1 998,610.00 991,851.00 81 1,098,105.00 28.3 960,172.00 783,512.00 82 1,305,730.00 7.5 688,059.00 718,414.00 83 1,128,690.00 22.2 1,070,801.00 886,741.00 84 1,218,931.00 11.3 1,143,306.00 1,092,196.00 85 1,320,039.00 1.9 961,471.00 947,582.00 86 1,257,033.00 3.6 1,096,021.00 1,069,466.00 87 1,235,074.00 1.4 990,110.00 964,703.00 88 1,273,408.00 -2.4 894,700.00 918,791.00 89 1,079,922.00 12.6 1,014,852.00 967,193.00 90 1,094,078.00 9.8 1,037,773.00 951,580.00 91 1,083,763.00 10.7 828,911.00 824,349.00 92 1,135,299.00 5.5 902,609.00 835,619.00 93 1,101,033.00 7 1,033,015.00 990,962.00 94 1,087,094.00 8.1 940,393.00 864,539.00 95 1,059,815.00 10.4 663,253.00 672,547.00 96 1,096,527.00 5.8 898,944.00 858,965.00 97 1,693,522.00 -32.7 786,558.00 1,531,868.00 98 952,151.00 16.1 694,572.00 691,647.00 99 793,582.00 39.1 877,705.00 610,283.00 100 1,128,592.00 -4.2 657,000.00 592,963.00 Tot $564,405,899 14.40% $377,763,122 $311,850,986 Tot $1,044,900,000 7.70% $699,300,000 $702,725,000 part 3 of 3 Rank Pct. Chg EmBranches ROA ROE Eff. Ratio Jun-99 1998-1996/30/99 6/30/98 6/30/99 6/30/99 6/30/99 6/30/99
1 65.00% 19,723 17,419 1,342 1.05 19.04 49.49
2 123.6 8,229 5,289 162 0.59 20.94 55.04
3 -5.1 4,874 4,461 473 1.28 15.47 32.99
4 30.6 4,208 2,712 224 0.92 13.05 48.32
5 -0.5 1,957 2,696 110 0.97 16.25 34.3
6 -4.8 7,373 6,718 103 1.16 15.61 75.94
7 6.4 2,424 1,814 87 0.87 12.07 50.98
8 6.8 4,555 1,837 73 1.34 10.01 52.52
9 19.2 3,069 2,738 234 1.08 15.06 61.5 10 40.9 3,438 2,371 256 0.78 9.13 57.72 11 5.8 3,684 3,436 131 1.13 13.83 65.61 12 -0.7 1,787 1,633 112 1.11 16.14 50.39 13 8.6 928 923 76 1.24 10.69 29.86 14 0.3 874 909 28 1.28 12.26 33.18 15 5.9 1,681 1,243 97 0.82 11.46 61.41 16 17.7 1,570 1,315 46 1.27 18.66 49.93 17 2 1,333 1,283 36 1.32 10.86 47.36 18 4.4 784 663 27 0.74 7.72 54.05 19 2.7 741 707 29 1.04 7.09 38.2 20 17 733 740 44 1.13 15.64 30.36 21 14.1 1,250 1,136 65 0.97 12.56 62.23 22 8.6 695 662 107 2 15.06 19.07 23 1.2 845 875 32 0.83 6.3 47.84 24 4 2,147 2,440 27 1.11 13.7 79.75 25 7.1 311 305 30 0.61 9.9 42.64 26 13 925 902 26 1.2 14.58 41.7 27 19.5 950 1,153 75 1.23 12.78 46.65 28 8.9 593 568 19 1.19 10.76 55.57 29 10.8 407 344 31 -0.04 -0.45 76.91 30 53.6 1,856 1,397 24 1.37 24.14 80.77 31 -6.2 472 456 24 1.06 13.96 42.26 32 -14.4 563 714 40 -0.69 -14.37 60.84 33 17.7 1,115 1,073 47 0.98 13.97 65.51 34 156.1 120 57 2 0.43 4.55 63.7 35 21.8 1,101 860 88 0.71 8.86 64.6 36 19.1 692 444 51 0.63 9.78 58.59 37 6.1 541 536 24 0.82 12.04 53.33 38 23.7 987 995 54 0.55 9.97 82.04 39 70 505 366 24 1.34 10.73 39.63 40 3.5 935 929 43 1.07 10.69 58.77 41 29.9 706 526 46 0.57 8.2 71.62 42 13.5 557 558 37 0.77 10.67 59.37 43 4.1 853 819 51 1.23 18.15 56.83 44 5.7 804 673 80 0.78 8.83 60.19 45 13.4 602 546 53 0.7 7.63 66.89 46 -9.1 867 948 2 2.32 22.96 84.12 47 -5 417 440 30 0.91 10.73 44.77 48 31.5 447 427 22 0.8 12.37 60.92 49 1.2 489 493 16 1.32 8.23 50.58 50 21.8 299 253 19 1.01 11.76 40
23.90% 97,016 82,802 4,879 0.98 11.8 54.34 51 4.60% 459 438 32 1.41 9.94 50.53 52 Commo 769 776 60 0.81 10.17 76.06 53 56.9 517 383 38 1.17 12.12 54.03 54 -9.1 738 786 69 1.68 14.27 60.32 55 10.6 286 277 18 1.09 14.2 50.08 56 -6.7 553 580 21 0.88 11.03 66.93 57 10.5 662 700 27 1.14 14.64 59.43 58 13.5 521 508 37 -1.27 -18.75 117.92 59 10.9 424 386 26 0.86 11.84 58.43 60 13.4 822 750 51 1.25 18.27 62.46 61 6 244 241 12 1.84 19.92 31.36 62 47.6 267 221 21 1.18 9.37 40.36 63 61 1,658 1,306 9 6.69 49.24 43.85 64 35.8 491 364 34 1.7 9.88 50.32 65 15.3 427 383 21 1.65 13.28 59.18 66 17 352 303 18 1.19 16.61 61.63 67 5.7 481 459 32 0.86 8.23 60.9 68 20.5 460 351 28 0.45 6.76 73.85 69 9 671 633 41 1.19 15.15 67.11 70 -1.9 344 350 13 1.76 8.56 38.74 71 3.2 284 267 17 1.44 8.07 49.85 72 5.9 606 373 20 1.08 8.66 60.01 73 3 243 246 12 1.02 9.56 50.25 74 18.3 268 245 6 1.25 15.8 45.62 75 2.9 237 223 18 0.86 10.17 45.45 76 -2.6 334 210 29 0.66 8.42 58.97 77 8.9 467 451 28 1.36 11.02 54.82 78 0.6 275 282 11 1.33 16.8 40.95 79 4.9 408 350 28 1.52 12.15 40.18 80 0.7 389 371 33 0.51 5.21 76.66 81 22.5 449 315 23 0.81 7.35 58.93 82 -4.2 315 289 14 0.52 7.45 69.46 83 20.8 95 98 2 9.51 69.83 20.07 84 4.7 422 403 22 0.71 9.55 63.02 85 1.5 320 269 19 0.89 7.25 53.85 86 2.5 409 395 17 1.16 9.92 50.27 87 2.6 444 478 38 1.98 20.97 48.01 88 -2.6 349 353 7 0.37 5.07 77.29 89 4.9 382 362 56 0.76 9.4 63.86 90 9.1 276 259 30 1.04 14.44 45.55 91 0.6 598 558 15 0.41 7.39 82.9 92 8 241 253 17 1.14 14.26 47.52 93 4.2 271 265 11 0.42 5.17 76.77 94 8.8 546 437 41 0.4 4.13 75.23 95 -1.4 203 205 9 1.08 11.11 51.72 96 4.7 385 376 23 0.89 8.75 67.29 97 -48.7 420 430 14 1.28 4.74 56.88 98 0.4 245 236 16 1.43 16.71 49.06 99 43.8 122 76 9 1.11 6.12 34.46 100 10.8 605 551 14 0.86 11.73 65.39 Tot 21.10% 118,770 102,623 6,086 1.16 11.73 56.24 Tot -0.50% 241,350 247,422 1.01 11.7 56.95 ===
