+++ (Dollar amounts in millions)

Top 25 in Asset Growth Among Top 300

Gain Ast Assets

Rank Rank Jun-96 % Gain

1 16 World Savings Bank, FSB, Warren, N.J. 10,282.5 4,356

2 274 Braintree Savings Bank, Mass. 532.4 154.3

3 193 U.S. Svgs Bank of Wash., Bellingham 771 125.8

4 13 Charter One Bank, FSB, Cleveland 14,005.4 123.9

5 11 GreenPoint Bank, New York 14,143.1 112.2

6 128 Beal Bank, SSB, Dallas 1,278.30 101.5

7 108 Regency Svgs Bank, FSB, Naperville, Ill1,436.60 99

8 96 Reliance FSB, Garden City, N.Y. 1,778.10 96.5

9 126 Dime Savings Bank of Williamsburgh 1,285.70 92.8

10 279 People's Savings Bank, Brockton, Mass. 524.6 92.7

11 178 MSB Bank, Goshen, N.Y. 840.5 81.9

12 58 Mid America FSB, Clarendon Hills, Ill. 3,122.80 76.1

13 147 Flagstar Bank, FSB, Bloomfield Hills 1,102.70 73.9

14 49 Webster Bank, FSB, Waterbury, Conn. 3,830.70 59.7

15 82 Commonwealth Svgs Bank, Malvern, Pa. 2,013.40 53.1

16 17 Bank of America, FSB, Portland, Ore. 9,742.50 52.1

17 179 Vermont Federal Bank, FSB, Williston 838.9 49.1

18 15 LaSalle Bank, FSB, Chicago 10,668.2 48.8

19 223 Union Savings Bank, Danbury, Conn. 660 47.4

20 208 First Svgs Bank of Wash., FSB, Walla Wa 719.6 45

21 214 Statewide Svgs Bank, SLA, Jersey City, 681 42

22 188 First FSB of America, Fall River, Mass. 802.9 40.7

23 50 Independence Savings Bank, Brooklyn 3,727.10 38.7

24 101 Harris Savings Bank, Harrisburg, Pa. 1,544.20 37.8

25 189 BankUnited, FSB, Coral Gables, Fla. 799.3 37.2

The 25 Largest Declines in Assets Among Top 300

Loss Ast Assets

Rank Rank Jun-96% Drop

1 205 Franklin Federal Bancorp, FSB, Austin, 723.6 -34.8

2 284 Co-op Bank of Concord, Mass. 521.5 -32.4

3 117 Franklin First Svgs Bk, Wilkes-Barre, P1,369.10 -26.5

4 28 Household Bank, FSB, Prospect Heights 6,033.10 -25.2

5 76 First American Bank, SSB, Bryan, Tex. 2,236.90 -24.9

6 3 World Savings & Loan Assn., Oakland 25,353.0 -23.3

7 31 First Bank, FSB, Fargo, N.D. 5,368.70 -21.7

8 155 First Bank, FSB, Clayton, Mo. 1,028.50 -18.1

9 248 Virginia Beach Federal Savings Bank, Va 611 -15.8

10 215 Mutual Savings Bank, FSB, Bay City, Mic 680.1 -15.1

11 195 Jefferson S&L Assn., Ballwin, Mo. 754.1 -15

12 100 PriMerit Bank, FSB, Las Vegas, Nev. 1,604.30 -12.7

13 74 Great Lakes Bancorp, FSB, Ann Arbor. 2,306.00 -12.5

14 142 First of America Bank-Florida, FSB 1,148.70 -11.4

15 181 Redlands Federal Bank, FSB, Calif. 833.5 -11.1

16 10 Glendale Federal Bank, FSB, Calif. 14,456.6 -10

17 110 Norwest Bank Nevada, FSB, Reno, Nev. 1,431.10 -9.3

18 287 Trenton Savings Bank, N.J. (M) 517.2 -8.4

19 63 Bay View Fed. Bank, FSB, San Mateo 2,852.10 -7.6

20 1 Home Svgs of America, FSB, Irwindale 49,211.0 -7.6

21 85 Eastern Bank, Lynn, Mass. 1,966.60 -7.6

22 127 Pacific SW Bank, FSB, Corpus Christi 1,284.50 -7

23 87 Union Federal Savings Bank, Indianapoli1,954.90 -6

24 55 Fidelity Federal Bank, FSB, Los Angeles3,291.60 -5.2

25 140 AmerUS Bank, Des Moines, Iowa 1,173.70 -5.1

The 25 Largest Mutual Saving Institutions

Mutual Asset % Chge

Assets Rank Rank Jun-96

1 27 Hudson City Svgs Bank, Paramus, N.J. 6,094.30 19

2 35 Third Federal S&L Assn., Cleveland 5,129.90 8.5

3 41 Capitol Federal S&L Assn., Topeka 4,434.30 2.2

4 44 Apple Bank for Savings, New York 4,127.80 4.4

5 64 Investors Savings Bank, Millburn, N.J. 2,811.90 5.8

6 72 Dollar Bank, FSB, Pittsburgh 2,506.70 6.2

7 85 Eastern Bank, Lynn, Mass. 1,966.60 -7.6

8 88 New Haven Savings Bank, Conn. 1,919.50 1.9

9 91 Provident Savings Bank, Jersey City, N.1,873.20 5.4

10 93 Roslyn Savings Bank, N.Y. 1,834.50 17.9

11 95 Ridgewood Savings Bank, Queens, N.Y. 1,780.60 3.9

12 97 Staten Island Savings Bank, New York 1,759.60 25.2

13 114 Columbia Savings Bank, Fair Lawn, N.J. 1,395.90 8.8

14 119 Beneficial Mutual Svgs Bk, Philadelphia1,337.10 5.9

15 121 American Svgs Bank, New Britain, Conn. 1,322.00 7.1

16 124 Middlesex Savings Bank, Natick, Mass. 1,303.60 12.7

17 129 Liberty Bank, Middletown, Conn. 1,270.70 9.6

18 136 Home Federal Bank of Tenn., Knoxville 1,198.10 2.7

19 137 Ocean Federal Svgs Bk, Brick Town, N.J.1,195.50 20.9

20 138 North Shore Bank, FSB, Brookfield, Wis.1,195.50 25.4

21 139 Mutual Svgs Bk of Wis., SA, Milwaukee 1,194.60 2

22 144 Financial Fed. T&S Bank, Olympia Field1,144.20 -1.3

23 150 Home Svgs & Loan Co., Youngstown 1,090.30 3.8

24 152 First Federal Lincoln Bank, Neb. 1,038.10 5.6

25 154 Lockport Savings Bank, N.Y. 1,037.50 7.6

The 25 Best Ratios of Tier 1 Capital-to-Risk

Ratio Asset Ratio $ Amt

Rank Rank Jun-96 Tier 1

1 209 Kearny Federal Savings Bank, N.J. 112.42 146.9

2 199 Inter-Boro S&L Assn., Cherry Hill, N.J. 70.09 131.2

3 263 Great American Fed. S&L Assn., Pittsbur 63.59 127.5

4 143 Home Savings Bank, FSB, Hollywood, Fla. 62.36 236.3

5 264 Liberty Bank for Savings, Chicago 50.94 84

6 268 Union County Savings Bank, Elizabeth, N 42 94.3

7 210 Home Federal S&L Assn., Charlotte, N.C. 41.89 159.5

8 59 Bluebonnet Savings Bank, FSB, Dallas 41.3 221.7

9 222 Piedmont FS&LA, Winston-Salem, N.C. 39.83 103.3

10 287 Trenton Savings Bank, N.J. 36.01 96.5

11 260 Fidelity Homestead Assn., New Orleans 35.75 72

12 228 Franklin Federal S&L Assn., Glen Allen, 34.31 66.1

13 173 Massbank for Savings, Reading, Mass. 33.38 83.5

14 27 Hudson City Savings Bank, Paramus, N.J. 33.19 670.8

15 294 First Federal S&L Assn., Defiance, Ohi 32.29 103.3

16 273 Home Fed. Svgs Bank, Spring Valley, Min 31.8 70.9

17 71 Guardian Savings & Loan Assn., Houston 31.01 151.9

18 272 Bell Fed. Savings & Loan Assn., Pittsbu 30.82 79.7

19 121 American Savings Bank, New Britain, Con 30.43 198.2

20 214 Statewide Svgs Bank, SLA, Jersey City, 30.27 71.3

21 175 Maspeth Fed. S&L Assn., Queens, New Yor 29.85 132.7

22 41 Capitol Federal S&L Assn., Topeka, Kan. 29.56 546.3

23 298 Roma Federal Savings Bank, Trenton, N.J 29.34 68

24 95 Ridgewood Savings Bank, Queens, N.Y. 29.21 257.3

25 300 Horizon Bank, FSB, Bellingham, Wash. 29.16 78.6

The 25 Ratios of Total Capital-to-Risk Assets

Ratio Asset Ratio) $ Amt

Rank Rank Jun-96 Total

1 209 Kearny Federal Savings Bank, N.J. 113.7 148.5

2 199 Inter-Boro S&L Assn., Cherry Hill, N.J. 70.63 132.2

3 263 Great American Fed. S&L Assn., Pittsbur 64.02 128.3

4 143 Home Savings Bank, FSB, Hollywood, Fla. 63.19 239.4

5 264 Liberty Bank for Savings, Chicago 51.3 84.6

6 257 Klamath First FS&LA, Klamath Falls, Ore 43.13 122.1

7 210 Home Federal S&L Assn., Charlotte, N.C. 43.12 164.2

8 268 Union County Savings Bank, Elizabeth, N 43 95

9 59 Bluebonnet Savings Bank, FSB, Dallas 41.25 221.4

10 222 Piedmont FS&LA, Winston-Salem, N.C. 40.52 105

11 287 Trenton Savings Bank, N.J. 36.66 98.2

12 260 Fidelity Homestead Assn., New Orleans 36.25 73

13 228 Franklin Federal S&L Assn., Glen Allen, 35.14 67.7

14 173 Massbank for Savings, Reading, Mass. 34.35 85.9

15 27 Hudson City Savings Bank, Paramus, N.J. 33.81 683.2

16 294 First Federal S&L Assn., Defiance, Ohio 32.87 105.1

17 273 Home Fed. Svgs. Bank, Spring Valley, Mi 32.8 73.2

18 121 American Savings Bank, New Britain, Con 31.22 203.4

19 272 Bell Federal S&L Assn., Pittsburgh 31.06 80.4

20 71 Guardian S&L Assn., Houston 31.04 152

21 214 Statewide Svgs Bank, SLA, Jersey City, 31 73

22 175 Maspeth Federal S&L Assn., Queens, N.Y. 30.82 137

23 300 Horizon Bank, FSB, Bellingham, Wash. 30.06 81

24 298 Roma Federal Savings Bank, Trenton, N.J 29.74 69

25 41 Capitol Federal S&L Assn., Topeka, Kan. 29.64 547.8

The 25 Largest Branch Networks

Branch Asset No. of No. of

Rank Rank Branches Emply.

1 2 Great Western Bank, FSB, Chatsworth 416 9,579

2 1 Home Savings of America, FSB, Irwindale 345 7,121

3 4 Washington Mutual Bank, Seattle 290 4,722

4 3 World Savings & Loan Assn., Oakland 225 3,855

5 8 Citibank, FSB, San Francisco 210 4,188

6 9 Standard Federal Bank, Troy, Mich. 180 3,544

7 13 Charter One Bank, FSB, Cleveland 172 2,499

8 5 American Savings Bank, FA, Irvine, Cali 158 2,543

9 10 Glendale Federal Bank, FSB, Calif. 149 2,455

10 30 First Financial Bank, FSB, Stevens Poin 129 1,651

11 39 TCF Bank Minnesota, FSB, Minneapolis 127 2,715

12 20 Sovereign Bank, FSB, Wyomissing, Pa. 121 1,507

13 12 California Federal Bank, FSB, Los Angel 118 2,059

14 7 First Nationwide Bank, FSB, Dallas 117 3,653

15 19 Guaranty Federal Savings Bank, Dallas 112 2,067

16 37 Chevy Chase Bank, FSB, McLean, Va. 101 3,550

17 25 Commercial Federal Bank, FSB, Omaha 98 1,460

18 36 Washington Federal S &L Assn., Seattle 89 597

19 31 First Bank, FSB, Fargo, N.D. 89 1,117

20 22 People's Bank, Bridgeport, Conn. 89 2,608

21 21 Coast Federal Bank, Los Angeles 89 1,418

22 48 First NH Bank, Manchester 87 1,315

23 6 Dime Savings Bank of New York, FSB 86 2,903

24 11 GreenPoint Bank, New York 82 1,952

25 23 First Federal S &L Assn., Rochester, N. 80 1,412 ===

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