+++
part 1 of 5
Name
1 Washington Mutual Inc., Seattle (a)
2 Golden State Bancorp, San Francisco
3 Golden West Financial Corp., Oakland, Calif.
4 Charter One Financial, Cleveland (b)
5 Dime Bancorp, New York
6 Sovereign Bancorp, Wyomissing, Pa.
7 Astoria Financial Corp., New York
8 Bank United, Houston
9 GreenPoint Financial Corp., New York
10 Commercial Federal Corp., Omaha, Neb.
11 Peoples Heritage Financial Group, Portland, Maine
12 Webster Financial Corp., Waterbury, Conn.
13 Hudson City Savings, Paramus, N.J.
14 Ohio Savings Financial Corp., Cleveland
15 Downey Financial Corp., Newport Beach, Calif.
16 Emigrant Savings Bank, New York
17 St. Paul Bancorp, Chicago (b)
18 Third Federal Savings, Cleveland
19 Washington Federal Inc., Seattle
20 Capitol Federal Savings, Topeka, Kan.
21 Apple Bank for Savings, New York
22 Independence Community Bank, New York
23 First Midwest Bancorp., McHenry, Ill.
24 MAF Bancorp Inc., Clarendon Hills, Ill.
25 TR Financial Corp., Garden City, N.Y. (c)
26 Investor Bancorp, Millburn, N.J.
27 Westcorp, Irvine, Calif.
28 BankAtlantic Bancorp Inc., Fort Lauderdale, Fla.
29 Staten Island Bancorp, New York
30 Bankunited Financial Corp., Coral Gables, Fla.
31 Roslyn Bancorp Inc., New York (c)
32 Bank Plus Corp., Los Angeles
33 FirstFed Financial Corp., Santa Monica, Calif.
34 Ocwen Financial Corp., Fort Lee, N.J.
35 Flagstar Bancorp Inc., Bloomfield Hills, Mich.
36 Dollar Bank, Pittsburgh
37 PFF Bancorp Inc., Pomona, Calif.
38 Eastern Bancorp, Lynn, Mass.
39 Harris Savings Bank MHC, Harrisburg, Pa.
40 Reliance Bancorp, Garden City, N.Y.
41 Provident Savings Bank, Jersey City
42 Haven Bancorp, New York
43 Sterling Financial Corp., Spokane, Wash.
44 Commonwealth Bancorp, Valley Forge, Pa.
45 Telebank, Arlington, Va.
46 Interwest Bancorp, Oak Harbor, Wash.
47 Local Financial Corp., Oklahoma City
48 Anchor BanCorp Wisconsin, Madison
49 New Haven Savings Bank, Conn.
50 St. Francis Capital, Milwaukee
51 D&N Financial Corp., Hancock, Mich.
52 Alliance Bancorp, Hinsdale, Ill.
53 Seacoast Financial Corp., New Bedford, Mass.
54 Middlesex Savings Bank, Natick, Mass.
55 First Sentinel Bancorp Inc., Perth Amboy, N.J.
56 First Financial Holdings Inc., Charleston, S.C.
57 Bayonne Bancshares Inc., N.J. (d)
58 Dime Community Bank Inc., New York
59 Columbia Savings Bank, Fair Lawn, N.J.
60 Coast to Coast, Hinsdale, Ill.
61 First Indiana Corp., Indianapolis
62 First Federal Capital Corp., La Crosse, Wis.
63 Richmond County Financial Corp., New York (d)
64 Queens County Bancorp, New York
65 First Trust, Flourtown, Pa.
66 WSFS Financial Corp., Wilmington, Del.
67 JSB Financial Inc., Lynbrook, N.Y.
68 American Savings Bank, New Britain, Conn
69 First Liberty Financial Corp., Macon, Ga.
70 Beneficial Mutual, Philadelphia
71 Fidelity Bankshares Inc., W. Palm Beach, Fla.
72 Ocean Financial Corp., Toms River, N.J.
73 PennFed Financial Services, W. Orange, N.J.
74 Liberty Bank, Middleton, Conn.
75 Peoples Bancorp Inc., Lawrenceville, N.J.
76 Niagara Bancorp, Lockport, N.Y.
77 FirstFed America Bancorp Inc., Swansea, Mass.
78 Liberty Capital, Wilmington, Ohio
79 Harbor Florida Bancshares, Ft. Pierce
80 Hawthorne Financial Corp., El Segundo, Calif.
81 CFS Bancorp, Munster, Ind.
82 Jefferson Savings Bancorp Inc., Ballwin, Mo.
83 People's Bank MHC, Bridgeport, Conn.
84 Eagle Bancshares Inc., Tucker, Ga.
85 Beal Bank SSB, Dallas, Tex.
86 Andover Bancorp, Andover, Mass.
87 North Shore Bank, Brookfield, Wis.
88 Home Federal Bank of Tennessee, Knoxville
89 Financial Equity Inc., Olympia Fields, Ill.
90 York Financial Corp., Pa.
91 First Essex Bancorp, Lawrence, Mass.
92 Continental Inc., Seattle
93 New South Bancshares, Irondale, Ala.
94 Parkvale Financial Corp., Monroeville, Pa.
95 Medford Bancorp, Mass.
96 Cambridge Financial Group Inc., Mass.
97 Flushing Financial Corp., New York
98 Connecticut Bancshares MHC, Manchester
99 United Commercial Financial Corp., Youngstown, Ohio
100 First Lincoln Bancshares, Lincoln, Neb.
Totals for the Top 50
Totals for the Top 100
part 2 of 5
Total Assets1997-199Total Deposits
Name 1998 % Chg. 1998
1 Washington Mut$165,493.30 15.31% $85,492.10
2 Golden State B 54,580.20 74.38 25,246.00
3 Golden West Fi 38,468.70 -2.83 26,219.10
4 Charter One Fi 24,467.30 1.07 15,165.10
5 Dime Bancorp, 22,320.90 2.16 13,651.50
6 Sovereign Banc 21,913.90 24.12 12,322.70
7 Astoria Financ 20,587.70 25.29 9,668.30
8 Bank United, H 14,791.50 18.37 6,917.90
9 GreenPoint Fin 13,970.30 6.78 11,173.10
10 Commercial Fed 12,178.30 19.21 7,394.00
11 Peoples Herita 10,102.50 4.49 6,981.20
12 Webster Financ 9,033.90 -0.68 5,651.30
13 Hudson City Sa 7,752.30 5.99 6,807.30
14 Ohio Savings F 6,595.80 14.02 5,331.00
15 Downey Financi 6,270.40 7.45 5,039.70
16 Emigrant Savin 6,260.90 3.02 5,340.90
17 St. Paul Banco 6,034.10 15.47 3,895.00
18 Third Federal 5,741.00 5.48 4,837.60
19 Washington Fed 5,723.10 0.17 3,260.50
20 Capitol Federa 5,406.80 7.59 3,994.80
21 Apple Bank for 5,344.00 19.46 4,847.80
22 Independence C 5,138.00 33.15 3,513.00
23 First Midwest 5,053.00 62.4 4,055.50
24 MAF Bancorp In 4,121.10 19.19 2,656.90
25 TR Financial C 4,079.90 6.37 2,195.50
26 Investor Banco 3,959.20 18.84 2,106.20
27 Westcorp, Irvi 3,803.50 2 2,178.70
28 BankAtlantic B 3,789.00 23.64 1,925.80
29 Staten Island 3,776.90 42.46 1,729.10
30 Bankunited Fin 3,738.40 74.25 2,124.80
31 Roslyn Bancorp 3,735.00 3.72 2,070.80
32 Bank Plus Corp 3,712.10 -10.93 2,922.50
33 FirstFed Finan 3,677.10 -11.61 2,135.90
34 Ocwen Financia 3,308.10 7.78 2,175.00
35 Flagstar Banco 3,046.40 60.24 2,241.90
36 Dollar Bank, P 2,964.90 11.58 2,613.20
37 PFF Bancorp In 2,957.30 6.92 1,815.10
38 Eastern Bancor 2,688.50 27.83 1,895.40
39 Harris Savings 2,497.50 13.14 1,213.30
40 Reliance Banco 2,472.30 10.22 1,647.00
41 Provident Savi 2,454.60 19.14 2,071.30
42 Haven Bancorp, 2,395.50 21.3 1,727.70
43 Sterling Finan 2,320.00 19.59 1,550.00
44 Commonwealth B 2,240.50 -0.04 1,635.00
45 Telebank, Arli 2,229.50 113.67 1,219.50
46 Interwest Banc 2,161.90 9 1,185.80
47 Local Financia 2,116.20 13.62 1,674.60
48 Anchor BanCorp 2,099.20 9.3 1,489.90
49 New Haven Savi 2,052.70 5.9 1,633.50
50 St. Francis Ca 2,023.30 26.73 1,256.20
51 D&N Financial 2,018.20 11.17 1,264.10
52 Alliance Banco 1,982.50 15.07 1,298.00
53 Seacoast Finan 1,887.00 68.57 1,628.50
54 Middlesex Savi 1,872.10 13.3 1,527.30
55 First Sentinel 1,855.10 17.76 1,268.10
56 First Financia $1,839.70 3.65% $1,164.40
57 Bayonne Bancsh 1,832.30 74.28 1,306.20
58 Dime Community 1,814.70 23.26 1,024.90
59 Columbia Savin 1,814.50 12.21 1,432.70
60 Coast to Coast 1,801.70 38.5 1,214.00
61 First Indiana 1,796.00 11.32 1,227.90
62 First Federal 1,786.50 15.68 1,460.10
63 Richmond Count 1,756.30 60.24 993
64 Queens County 1,746.90 8.96 1,102.30
65 First Trust, F 1,679.80 10.76 1,093.40
66 WSFS Financial 1,635.70 7.95 858.3
67 JSB Financial 1,621.60 5.64 1,124.20
68 American Savin 1,592.60 7.88 1,156.00
69 First Liberty 1,588.20 24.36 1,153.30
70 Beneficial Mut 1,571.60 6.2 1,309.50
71 Fidelity Banks 1,566.90 28.46 1,140.90
72 Ocean Financia 1,561.70 3.36 1,035.30
73 PennFed Financ 1,542.50 4.54 1,019.70
74 Liberty Bank, 1,478.10 9.24 1,245.50
75 Peoples Bancor 1,469.60 129.47 504.9
76 Niagara Bancor 1,457.80 23.65 1,076.00
77 FirstFed Ameri 1,438.20 24.03 664.4
78 Liberty Capita 1,435.10 40.19 872.4
79 Harbor Florida 1,418.30 25.61 958
80 Hawthorne Fina 1,412.40 52.12 1,019.50
81 CFS Bancorp, M 1,390.20 86.37 986.1
82 Jefferson Savi 1,383.60 125.3 1,038.20
83 People's Bank 1,367.30 113.4 505
84 Eagle Bancshar 1,367.20 46.31 885.7
85 Beal Bank SSB, 1,346.60 -0.34 1,078.10
86 Andover Bancor 1,317.60 5.82 919.8
87 North Shore Ba 1,317.40 10.05 973.4
88 Home Federal B 1,298.80 6.62 1,099.90
89 Financial Equi 1,283.00 6.24 931.2
90 York Financial 1,254.20 7.02 1,121.10
91 First Essex Ba 1,253.70 4.45 945.2
92 Continental In 1,193.50 14.53 676.9
93 New South Banc 1,164.80 17.42 781.3
94 Parkvale Finan 1,160.00 13.96 1,004.90
95 Medford Bancor 1,151.20 1.38 875.2
96 Cambridge Fina 1,148.70 4.32 1,027.60
97 Flushing Finan 1,142.10 4.92 664.1
98 Connecticut Ba 1,120.80 7.55 874.9
99 United Commerc 1,118.90 7.06 782.4
100 First Lincoln 1,116.00 5.06 1,002.70
Totals for the$553,648.50 16.16 $327,896.10
Totals for the$628,817.60 16.65 $380,212.30
part 3 of 5
1997-199Net Income1997-199Employees
Name % Chg. 1998 % Chg.
1 Washington Mut 2.47% $1,486.90 67.99% 27,330
2 Golden State B 54.11 618.8 97.27 7,994
3 Golden West Fi 8.75 447.1 26.25 5,289
4 Charter One Fi 8.09 215.4 10.79 5,741
5 Dime Bancorp, -1.41 237.1 94.79 7,437
6 Sovereign Banc 29.5 136.5 33.08 4,093
7 Astoria Financ -2.85 45 -61.79 1,786
8 Bank United, H 22.46 152.7 36.44 1,950
9 GreenPoint Fin 1.82 149.5 1.29 3,292
10 Commercial Fed 12.2 46.3 -9.84 3,084
11 Peoples Herita 3.47 100.6 8.94 3,500
12 Webster Financ -1.18 70.5 71.39 1,674
13 Hudson City Sa 5.28 93.3 3.64 964
14 Ohio Savings F 8.58 78.8 34.21 1,436
15 Downey Financi 3.49 58 28.16 1,663
16 Emigrant Savin 0.22 85.6 -9.53 1,294
17 St. Paul Banco 0.61 28.7 -48.8 1,079
18 Third Federal 6.42 56.4 10.76 776
19 Washington Fed 9.33 28.3 4.56 680
20 Capitol Federa 2.75 52.8 -4.81 657
21 Apple Bank for 18.79 59.6 5.93 729
22 Independence C 1.56 38 117.12 842
23 First Midwest 67.14 65.4 78.08 1,535
24 MAF Bancorp In 13.69 38.2 0.79 921
25 TR Financial C -39.11 42.9 17.17 415
26 Investor Banco 3.16 25.2 -9.9 326
27 Westcorp, Irvi 8.89 -14.7 -139.95 2,286
28 BankAtlantic B 9.19 -8 -128.93 992
29 Staten Island 6.49 44.5 205.6 625
30 Bankunited Fin 77.68 6.5 37.18 383
31 Roslyn Bancorp 5.44 52.4 56.95 510
32 Bank Plus Corp 1.06 -56.3 -548.36 801
33 FirstFed Finan 9.89 34.6 49.91 475
34 Ocwen Financia 9.69 -1.2 -101.52 834
35 Flagstar Banco 80.88 41.2 89.08 1,620
36 Dollar Bank, P 9.97 23.5 32.13 1,074
37 PFF Bancorp In 6.36 17.9 26.13 610
38 Eastern Bancor 8.7 27.6 0.16 944
39 Harris Savings 5.07 19.2 8.2 645
40 Reliance Banco 2.75 19.1 5.53 428
41 Provident Savi 16.72 19.7 3.37 521
42 Haven Bancorp, 26.57 8.2 -26.46 974
43 Sterling Finan 43.52 11.4 11.55 746
44 Commonwealth B 3.59 10.1 -34.22 801
45 Telebank, Arli 128.98 5.5 -16.62 80
46 Interwest Banc 2.58 22.7 8.21 700
47 Local Financia 3.89 24.4 -122.77 693
48 Anchor BanCorp 10.43 21.9 8.62 546
49 New Haven Savi 3.32 28 25.39 438
50 St. Francis Ca 17.79 15.7 28.79 443
51 D&N Financial 21.18 16.1 12.83 541
52 Alliance Banco -0.58 15.1 5.19 626
53 Seacoast Finan 72.47 11.9 -1.54 500
54 Middlesex Savi 13.02 16.1 3.89 325
55 First Sentinel 3.33 19.5 30.21 302
56 First Financia 3.60% $16.50 12.43% 584
57 Bayonne Bancsh 58.47 15.8 70.43 272
58 Dime Community -0.23 14.8 38.7 234
59 Columbia Savin 13.87 14.7 13.3 403
60 Coast to Coast 71.3 110 48.88 1,481
61 First Indiana 10.87 19.1 7.91 752
62 First Federal 27.35 19.4 11.7 808
63 Richmond Count 8.7 11.4 100.81 460
64 Queens County 3.1 26.9 15.82 278
65 First Trust, F 9.99 32.4 51.23 461
66 WSFS Financial 11.91 16.5 0.75 327
67 JSB Financial 0.26 44.4 19.68 429
68 American Savin 4.29 18 -1.34 274
69 First Liberty 22.48 16 66.84 665
70 Beneficial Mut 1.32 15.3 4.38 475
71 Fidelity Banks 29.39 9 34.2 393
72 Ocean Financia 5.99 13 -6.17 248
73 PennFed Financ 4.98 5.7 4.44 237
74 Liberty Bank, 7.42 18.6 4.27 456
75 Peoples Bancor 2.33 12.1 61.74 155
76 Niagara Bancor 7.04 11.1 -0.94 402
77 FirstFed Ameri -5.83 5.5 3.43 295
78 Liberty Capita 23.72 10.6 -42.86 615
79 Harbor Florida 1.91 18.4 27.48 380
80 Hawthorne Fina 27.51 11 14.78 279
81 CFS Bancorp, M 45.76 5.7 505.4 444
82 Jefferson Savi 85.34 7.7 28.89 287
83 People's Bank 2.3 12.1 61.74 155
84 Eagle Bancshar 46.52 7.9 57 500
85 Beal Bank SSB, 5.02 102.4 14.89 98
86 Andover Bancor 4.76 16.9 25.04 258
87 North Shore Ba 1.77 9.9 5.13 383
88 Home Federal B 7.2 12.8 25.03 381
89 Financial Equi 1.77 1.5 24.36 402
90 York Financial 8.58 3.7 -23.52 418
91 First Essex Ba 24.3 10.9 15.83 297
92 Continental In 25.95 11.7 7.08 606
93 New South Banc 12.28 9.5 70.36 575
94 Parkvale Finan 10.27 11.7 10.14 256
95 Medford Bancor 5.61 12.3 7.71 252
96 Cambridge Fina 3 4.8 -28.05 272
97 Flushing Finan 1.24 10.2 19.45 224
98 Connecticut Ba 3.58 9.7 -4.96 378
99 United Commerc -12.22 7.2 -44.94 418
100 First Lincoln 5.34 9.1 10.92 361
Totals for the 9.28 $4,831.20 34.02 104,656
Totals for the 9.82 $5,694.00 31.44 124,600
part 4 of 5
Branches ROA ROA ROE
Name 1998 1997 1998
1 Washington Mut 1,235 0.96% 0.63% 16.67%
2 Golden State B 357 1.49 1.14 21.24
3 Golden West Fi 248 1.14 0.91 15.37
4 Charter One Fi 340 0.88 0.87 11.48
5 Dime Bancorp, 90 1.11 0.6 17.84
6 Sovereign Banc 305 0.7 0.63 12.42
7 Astoria Financ 96 0.79 0.84 9.76
8 Bank United, H 82 1.14 0.97 14.7
9 GreenPoint Fin 73 1.12 NA 10.08
10 Commercial Fed 251 0.83 1.02 10.26
11 Peoples Herita 188 1.03 1.09 17.06
12 Webster Financ 101 0.76 0.5 13.16
13 Hudson City Sa 75 1.24 1.27 10.9
14 Ohio Savings F 44 1.21 1.21 18.21
15 Downey Financi 91 0.98 0.79 12.71
16 Emigrant Savin 36 1.4 1.55 11.73
17 St. Paul Banco 60 0.59 NA 6.69
18 Third Federal 27 1.02 0.95 10.02
19 Washington Fed 106 2.02 1.91 15.47
20 Capitol Federa 31 1 1.18 8.15
21 Apple Bank for 43 1.25 1.29 16.28
22 Independence C 33 0.79 0.46 6.07
23 First Midwest 77 1.31 1.2 17.33
24 MAF Bancorp In 24 1.07 1.14 13.87
25 TR Financial C 17 1.06 0.98 17.35
26 Investor Banco 30 0.69 0.86 10.21
27 Westcorp, Irvi 25 -0.39 1.01 -4.38
28 BankAtlantic B 70 0.28 0.86 4.39
29 Staten Island 17 1.45 0.7 6.39
30 Bankunited Fin 25 0.24 0.51 4.94
31 Roslyn Bancorp 10 1.4 1.29 8.75
32 Bank Plus Corp 39 -1.32 0.35 -33.7
33 FirstFed Finan 24 0.91 NA 14.45
34 Ocwen Financia 2 -0.05 NA -0.28
35 Flagstar Banco 24 1.56 1.3 28.68
36 Dollar Bank, P 46 0.89 0.71 12.56
37 PFF Bancorp In 24 0.6 0.59 7.45
38 Eastern Bancor 42 1.1 1.36 10.97
39 Harris Savings 35 0.82 0.89 10.33
40 Reliance Banco 29 0.81 0.9 10.33
41 Provident Savi 49 0.92 0.96 9.18
42 Haven Bancorp, 65 0.37 0.62 6.92
43 Sterling Finan 77 0.55 0.58 9.9
44 Commonwealth B 60 0.44 0.69 5.46
45 Telebank, Arli 2 0.38 0.83 5.87
46 Interwest Banc 39 1.12 1.12 16.95
47 Local Financia 52 1.25 -4.69 15.14
48 Anchor BanCorp 37 1.08 1.07 18.61
49 New Haven Savi 33 1.42 1.16 10.25
50 St. Francis Ca 21 0.88 0.82 11.77
51 D&N Financial 53 0.85 0.88 15.11
52 Alliance Banco 20 0.77 0.86 8.32
53 Seacoast Finan 38 0.68 1.12 8.3
54 Middlesex Savi 17 0.91 1.01 11.89
55 First Sentinel 23 1.22 0.96 8.07
56 First Financia 38 0.90% 0.88% 13.97%
57 Bayonne Bancsh 21 1.22 0.9 9.88
58 Dime Community 14 0.88 0.8 9.52
59 Columbia Savin 26 0.86 0.84 11.66
60 Coast to Coast 9 7.43 6.44 55.96
61 First Indiana 27 1.12 1.17 11.96
62 First Federal 59 1.19 1.13 16.59
63 Richmond Count 13 1.36 1.05 6.99
64 Queens County 12 1.62 1.61 17.32
65 First Trust, F 19 2.04 1.47 15.79
66 WSFS Financial 20 1.16 1.11 19.24
67 JSB Financial 13 2.84 2.42 11.86
68 American Savin 17 1.19 1.28 6.69
69 First Liberty 39 1.11 0.76 13.99
70 Beneficial Mut 31 1 1.02 9.42
71 Fidelity Banks 25 0.64 0.66 8.36
72 Ocean Financia 11 0.85 0.97 6.36
73 PennFed Financ 18 0.72 0.79 10.94
74 Liberty Bank, 27 1.31 1.33 11.12
75 Peoples Bancor 14 1.35 1.18 4.24
76 Niagara Bancor 19 0.84 0.98 6.41
77 FirstFed Ameri 13 0.56 0.68 6.45
78 Liberty Capita 28 0.93 2.17 13.63
79 Harbor Florida 28 1.41 1.3 11.01
80 Hawthorne Fina 6 0.93 1.11 18.22
81 CFS Bancorp, M 23 0.42 0.13 4.76
82 Jefferson Savi 29 0.6 0.81 6.28
83 People's Bank 14 1.35 1.18 4.24
84 Eagle Bancshar 15 0.87 0.79 13.86
85 Beal Bank SSB, 2 8.39 6.81 59.12
86 Andover Bancor 11 1.31 1.13 16.68
87 North Shore Ba 33 0.79 0.75 7.82
88 Home Federal B 19 1.02 0.85 9.12
89 Financial Equi 7 0.12 0.1 1.66
90 York Financial 25 0.6 0.83 7.71
91 First Essex Ba 19 0.86 0.8 11.97
92 Continental In 12 1.05 1.23 16.08
93 New South Banc 42 0.92 0.62 13.09
94 Parkvale Finan 30 1.07 1.07 14.67
95 Medford Bancor 16 1.08 1.05 12.46
96 Cambridge Fina 11 0.43 0.63 5.06
97 Flushing Finan 8 0.92 0.96 7.51
98 Connecticut Ba 23 0.9 1.02 9.08
99 United Commerc 14 0.6 1.23 3.49
100 First Lincoln 56 0.75 0.8 8.23
Totals for the 4,907 0.89 0.82 10.72
Totals for the 6,014 1.08 1.03 11.48
part 5 of 5
ROE Eff. Ratio
Name 1997 1998
1 Washington Mut 11.95% 34.68%
2 Golden State B 15.72 53.41
3 Golden West Fi 14.14 32.08
4 Charter One Fi 11.71 52.09
5 Dime Bancorp, 11.04 54.59
6 Sovereign Banc 10.92 46.59
7 Astoria Financ 9.83 42.05
8 Bank United, H 12.15 49.86
9 GreenPoint Fin 11.01 NA
10 Commercial Fed 13.55 57.83
11 Peoples Herita 13.27 57.17
12 Webster Financ 8.44 50.35
13 Hudson City Sa 11.79 29.58
14 Ohio Savings F 18.91 46.67
15 Downey Financi 11.07 58.1
16 Emigrant Savin 14.29 48.66
17 St. Paul Banco NA NA
18 Third Federal 8.68 43.9
19 Washington Fed 15.75 17.77
20 Capitol Federa 9.74 35.34
21 Apple Bank for 17.62 37
22 Independence C 5.5 52.14
23 First Midwest 16.71 55
24 MAF Bancorp In 14.69 48.54
25 TR Financial C 16.59 42.64
26 Investor Banco 12.72 44.37
27 Westcorp, Irvi 11.17 NA
28 BankAtlantic B 14.85 75.81
29 Staten Island 7.79 41.11
30 Bankunited Fin 9.3 64.86
31 Roslyn Bancorp 6.57 39.15
32 Bank Plus Corp 7.43 76.2
33 FirstFed Finan NA NA
34 Ocwen Financia NA 68.27
35 Flagstar Banco 20.84 119.88
36 Dollar Bank, P 10.52 0.55
37 PFF Bancorp In 5.86 61.12
38 Eastern Bancor 12.43 58.26
39 Harris Savings 10.89 62.02
40 Reliance Banco 10.95 47.54
41 Provident Savi 9.88 61.99
42 Haven Bancorp, 10.41 0.87
43 Sterling Finan 11.1 70.5
44 Commonwealth B 8 77.58
45 Telebank, Arli 14.04 77.81
46 Interwest Banc 16.91 55.6
47 Local Financia -87.54 50.13
48 Anchor BanCorp 18.3 53.65
49 New Haven Savi 9.06 52.58
50 St. Francis Ca 10.91 73.41
51 D&N Financial 15.75 NA
52 Alliance Banco 8.89 NA
53 Seacoast Finan 13.54 68.38
54 Middlesex Savi 13.08 49.5
55 First Sentinel 10.88 42.78
56 First Financia 13.94% 59.42%
57 Bayonne Bancsh 9.58 42.66
58 Dime Community 6.87 54.63
59 Columbia Savin 11.27 59.65
60 Coast to Coast 50.91 49.78
61 First Indiana 12.16 52.88
62 First Federal 17.2 60.58
63 Richmond Count 10.5 43.48
64 Queens County 12.95 36.51
65 First Trust, F 11.22 59.14
66 WSFS Financial 20.25 57.81
67 JSB Financial 10.64 35.1
68 American Savin 7.5 54.19
69 First Liberty 10.19 63.49
70 Beneficial Mut 10.01 58.44
71 Fidelity Banks 8.08 69.23
72 Ocean Financia 6 54.67
73 PennFed Financ 10.91 43.48
74 Liberty Bank, 12.32 56.05
75 Peoples Bancor 6.99 40.06
76 Niagara Bancor 9.22 62.89
77 FirstFed Ameri 5.67 NA
78 Liberty Capita 3.2 72.62
79 Harbor Florida 16.58 43.61
80 Hawthorne Fina 19.84 50.8
81 CFS Bancorp, M 1.42 74.49
82 Jefferson Savi 9.49 67.74
83 People's Bank 6.99 40.06
84 Eagle Bancshar 9.45 69.24
85 Beal Bank SSB, 52.8 25.98
86 Andover Bancor 14.6 47.14
87 North Shore Ba 7.44 59
88 Home Federal B 7.95 2
89 Financial Equi 1.42 86.06
90 York Financial 10.91 63.77
91 First Essex Ba 11.96 58.71
92 Continental In 18.64 60.75
93 New South Banc 9.22 87.03
94 Parkvale Finan 14.71 48.07
95 Medford Bancor 11.95 47.91
96 Cambridge Fina 7.53 76.9
97 Flushing Finan 6.41 53.44
98 Connecticut Ba 10.73 74.67
99 United Commerc 9.63 77.38
100 First Lincoln 10.37 65.27
Totals for the 9.95 51.72
Totals for the 11.11 53.84
Source: American Banker, a Thomson Financial Co.; Sheshunoff Information
