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Top 25 in Asset Growth Among Top 300
Gain Ast Assets
Rank Rank 12/95 % Gain
1 48 World Savings Bank, FSB, Warren, N.J. 4,021 5,901
2 158 Fifth Third SB of W. Kentucky, Mayfiel 1,032 218
3 280 Braintree Savings Bank, Mass. (M) 529 171.6
4 145 Beal Bank, SSB, Dallas 1,128 131
5 12 Charter One Bank, FSB, Cleveland 13,590 122.2
6 9 GreenPoint Bank, Queens, New York 14,665 119.6
7 133 First of America Bk-Fla, FSB, St. Pete 1,220 105.5
8 4 Dime Savings Bank of New York, FSB 20,327 102.9
9 146 Regency Savings Bank, FSB, Naperville, 1,108 67.5
10 21 Bank of America, FSB, Portland, Ore. ( 7,370 64.5
11 173 Home Federal S&LA., Charlotte, N.C. (M 929 58.5
12 15 LaSalle Bank, FSB, Chicago (f) 10,658 53.9
13 67 Home FSB, Queens, New York 2,709 52.1
14 188 Vermont Federal Bank, FSB, Williston 830 50.7
15 24 Astoria Federal S&LA., Lake Success, N 6,635 43.2
16 239 First Federal Bank of Eau Claire, FSB, 622 42
17 58 Webster Bank, FSB, Waterbury, Conn. 3,165 39
18 234 ESB Bank, FSB, Ellwood City, Pa. 637 37.3
19 140 Reliance FSB, Garden City, N.Y. 1,174 36.4
20 241 Onbank, Syracuse, N.Y. (b) 614 36.3
21 178 Family Bank, FSB, Haverhill, Mass. 887 32.2
22 272 Tucker Federal Savings & Loan Assn., G 550 32
23 258 First Western Bank, FSB, Sharon, Pa. 577 31.7
24 248 Avondale Federal Savings Bank, Chicago 604 31.2
25 226 First Savings Bank of N. J., SLA, Bayo 657 31
The 25 Largest Declines in Assets in Assets Among Top 300
Loss Ast Assets
Rank Rank 12/95 % Drop
1 299 Key Savings Bank, Seattle (b) 496 52.3
2 291 Co-op Bank of Concord, Mass. 505 36
3 27 First Bank, FSB, Fargo, N.D. (b) 5,965 24.6
4 175 Franklin Federal Bancorp, FSB, Austin, 918 21.5
5 110 Franklin First SBk, Wilkes-Barre, Pa. 1,503 20.2
6 70 First American Bank, SSB, Bryan, Tex. 2,570 18
7 203 Mutual Savings Bank, FSB, Bay City, Mi 721 16.6
8 68 Bluebonnet Savings Bank, FSB, Dallas 2,656 14.9
9 99 South Boston Savings Bank, Boston 1,728 13.6
10 18 Household Bank, FSB, Prospect Heights, 8,388 11.6
11 54 Fidelity Federal Bank, FSB, Glendale, 3,299 11.3
12 85 Berkeley Fed. B&T, FSB, W. Palm Bch, F 1,921 10.6
13 83 State Savings Bank, Columbus, Ohio (c) 1,950 9.4
14 182 Redlands Federal Bank, FSB, Calif. 866 9.2
15 195 Jefferson Svgs & Loan Assn., Ballwin, 781 9.1
16 73 Great Lakes Bancorp, FSB, Ann Arbor, M 2,523 9.1
17 104 Southern California FS&LA., Beverly Hi 1,580 8.7
18 141 Northwestern Savings Bank, Chicago 1,149 7
19 10 Glendale Federal Bank, FSB, Calif. (c) 14,665 6.5
20 38 TCF Bank Minnesota, FSB, Minneapolis ( 4,741 6.4
21 274 Bay Ridge FSB, Brooklyn, New York 547 6.4
22 109 Sterling Savings Assn., Spokane, Wash. 1,509 6
23 1 Home Svgs of Amer, FSB, Irwindale, Cal 50,253 6
24 60 Bay View Federal Bk, FSB, San Mateo, C 3,004 5.1
25 119 Society First FSB, Fort Myers, Fla. (b 1,333 4.9
Top 25 in assets Per Employee(Ast/E)
Ast/E Asset Ast/E no.of
Rank Rank 12/95 Empl.
1 158 Fifth Third SB of W. Ky, Mayfield (b) 129,004 8
2 48 World Savings Bank, FSB, Warren, N.J. 18,359 219
3 273 Metropolitan Bank for Svgs, Arlington, 18,230 30
4 68 Bluebonnet Savings Bank, FSB, Dallas 14,922 178
5 82 Guardian Savings & Loan Assn., Houston 14,177 141
6 241 Onbank, Syracuse, N.Y. (b) 10,959 56
7 281 Union County SB, Elizabeth, N.J. (M) 10,789 49
8 294 Acacia FSB, Falls Church, Va. 10,208 49
9 18 Household Bank, FSB, Prospect Hts, Ill 10,081 832
10 99 South Boston Savings Bank, Boston 9,986 173
11 209 Kearny Federal Savings Bank, N.J. (M) 9,769 72
12 145 Beal Bank, SSB, Dallas 9,479 119
13 55 Local Fed. Bank, FSB, Oklahoma City (c 9,468 348
14 267 Franklin Federal S&LA., Glen Allen, Va 9,341 60
15 43 First Federal Bank of Calif., Santa Mo 9,093 455
16 39 Citizens Federal Bank, FSB, Miami 8,943 530
17 72 Investors Savings Bank, Millburn, N.J. 8,565 297
18 37 Washington Federal S&LA., Seattle 8,336 582
19 34 Third Federal S&L Assn., Cleveland (M) 8,174 602
20 3 World Svgs & Loan Assn., Oakland, Cali 7,926 3,841
21 104 Southern California FS&LA., Beverly Hi 7,710 205
22 60 Bay View Fed. Bank, FSB, San Mateo, Ca 7,664 392
23 16 Roosevelt Bank, FSB, Chesterfield, Mo. 7,645 1,187
24 41 Capitol Federal S&LA., Topeka, Kan. (M 7,564 579
25 4 Dime Savings Bank of New York, FSB 7,537 2,697
The 25 Best Ratios of Tier 1 Capital-Risk Assets
Ratio Asset Ratio $ Amt
Rank Rank 12/95 Tier 1
1 209 Kearny Federal Savings Bank, N.J. 117.91 $140.90
2 299 Key Savings Bank, Seattle (b) 86.91 101.4
3 208 Inter-Boro S&LA., Cherry Hill, N.J. 76.71 126.2
4 173 Home FS&LA., Charlotte, N.C. 59.71 238.7
5 142 Home Savings Bank, FSB, Hollywood, Fla 59.4 227.9
6 268 Liberty Bank for Savings, Chicago 50.34 81.7
7 68 Bluebonnet Savings Bank, FSB, Dallas 41.28 226.7
8 230 Piedmont FS&LA., Winston-Salem, N.C. 40.52 99.7
9 267 Franklin FS&LA., Glen Allen, Va. 39.25 63
10 281 Union County Savings Bank, Elizabeth, 39.04 88.8
11 141 Northwestern Savings Bank, Chicago 37.37 185.4
12 183 Massbank for Savings, Reading, Mass. 36.13 81.3
13 288 Trenton Savings Bank, N.J. 35.49 91.8
14 256 Fidelity Homestead Assn., New Orleans 34.34 69.1
15 282 Home FSB, Spring Valley, Minn. 34.33 74
16 295 First FS&LA., Defiance, Ohio 33.62 102.7
17 123 American Savings Bank, New Britain, Co 33.56 210.8
18 274 Bay Ridge FSB, Brooklyn, New York 33.35 80.3
19 31 Hudson City Savings Bank, Paramus, N.J 33.09 629
20 276 First SB of Washington, FSB, Walla Wal 33.04 93.2
21 266 Statewide Svgs Bank, SLA, Jersey City, 32 57.4
22 213 Yakima Federal S&LA., Wash. 30.14 97.9
23 257 Iberia Savings Bank, New Iberia, La. 29.97 82.8
24 41 Capitol Federal S&LA., Topeka, Kan. 29.28 525.1
25 220 Flushing Savings Bank, Queens, New Yor 29.23 98.9
The 25 Best ratio of Total Capital-to-Risk Assets
Ratio Asset Ratio $ Amt
Rank Rank 12/95 Total
1 209 Kearny Federal Savings Bank, N.J. 119.18$142.40
2 299 Key Savings Bank, Seattle (b) 88.21 102.9
3 208 Inter-Boro S&LA, Cherry Hill, N.J. 77.31 127.2
4 173 Home FS&LA., Charlotte, N.C. 60.94 243.7
5 142 Home Savings Bank, FSB, Hollywood, Fla 60.4 231.7
6 268 Liberty Bank for Savings, Chicago 50.71 82.3
7 275 Klamath First FS&LA., Klamath Falls, O 45.12 118
8 68 Bluebonnet Savings Bank, FSB, Dallas 41.45 227.7
9 230 Piedmont FS&LA., Winston-Salem, N.C. 41.24 101.5
10 267 Franklin FS&LA., Glen Allen, Va. 40.25 64.6
11 281 Union County Savings Bank, Elizabeth, 39.34 80.8
12 141 Northwestern Savings Bank, Chicago 38.62 191.7
13 183 Massbank for Savings, Reading, Mass. 37.25 83.8
14 288 Trenton Savings Bank, N.J. 36.17 93.6
15 282 Home FSB, Spring Valley, Minn. 35.31 76.1
16 256 Fidelity Homestead Assn., New Orleans, 34.84 70.1
17 274 Bay Ridge FSB, Brooklyn, New York 34.61 83.3
18 123 American Savings Bank, New Britain, Co 34.37 215.3
19 276 First SB of Washington, FSB, Walla Wal 34.29 76.7
20 295 First Federal S&LA., Defiance, Ohio 33.94 104.5
21 31 Hudson City Savings Bank, Paramus, N.J 33.71 640.9
22 266 Statewide Savings Bank, SLA, Jersey Ci 32.88 59
23 257 Iberia Savings Bank, New Iberia, La. 31.24 86.3
24 220 Flushing Savings Bank, Queens, New Yor 30.48 103.2
25 213 Yakima Federal S&LA., Wash. 30.36 98.6
The 25 Best Core Capital (leverage Capital) Ratio
Ratio Asset Ratio $ Amt
Rank Rank 12/95 Tier 1
1 173 Home Federal S&L Assn., Charlotte, N.C 25.88 238.7
2 275 Klamath First FS&LA, Klamath Falls, Or 21.43 117.1
3 295 First Federal S&LA, Defiance, Ohio 20.54 102.7
4 209 Kearny Federal Savings Bank, N.J. 20.12 140.9
5 142 Home Savings Bank, FSB, Hollywood, Fla 19.9 227.9
6 299 Key Savings Bank, Seattle (b) 19.51 101.4
7 288 Trenton Savings Bank, N.J. 18.06 91.8
8 208 Inter-Boro S&LA, Cherry Hill, N.J. 17.85 126.2
9 276 First SB of Washington, FSB, Walla Wal 17.18 93.2
10 281 Union County SB, Elizabeth, N.J. 16.98 88.8
11 123 American Svgs Bank, New Britain, Conn. 16.33 210.8
12 141 Northwestern Savings Bank, Chicago 16.32 185.4
13 230 Piedmont FS&LA., Winston-Salem, N.C. 15.53 99.7
14 185 Maspeth FS&LA., Queens, New York 15.04 127.5
15 220 Flushing Savings Bank, Queens, New Yor 14.85 98.9
16 95 Ridgewood Savings Bank, Queens, New Yo 14.77 245.6
17 274 Bay Ridge FSB, Brooklyn, New York 14.68 80.3
18 268 Liberty Bank for Savings, Chicago 14.63 81.7
19 257 Iberia Savings Bank, New Iberia, La. 14.61 82.8
20 237 Brookline Savings Bank, Mass. 14.29 93.2
21 213 Yakima Federal S&L Assn., Wash. 14.18 97.9
22 282 Home FSB, Spring Valley, Minn. 14.16 74
23 48 World Savings Bank, FSB, Warren, N.J. 14.01 562.8
24 296 First Federal Savings Bank, Lynchburg, 13.66 67.8
25 102 Roslyn Savings Bank, N.Y. 13.49 216.7
Top 25 in Net Income for 1995
Inc. Asset Net Inc. Net Inc
Rank Rank 12/95 12/94
1 1 Home Svgs of America, FSB, Irwindale, 272.4 291.6
2 3 World S&L Assn., Oakland, Calif. 271.9 257.2
3 2 Great Western Bk, FSB, Chatsworth, Cal 239.5 221.2
4 8 First Nationwide Bank, FSB, Dallas 211.3 37.3
5 18 Household Bank, FSB, Prospect Heights, 206 140.8
6 5 Washington Mutual Bank, Seattle 178.6 175.3
7 6 American Savings Bank, FA, Irvine, Cal 147.9 109.2
8 13 Standard Federal Bank, Troy, Mich. 119.9 119
9 27 First Bank, FSB, Fargo, N.D. (b) 105.9 -58.3
10 9 GreenPoint Bank, Queens, New York 97.4 103.7
11 11 California Federal Bank, FSB, Los Ange 93.6 -157.2
12 29 USAA FSB, San Antonio, Tex. 85.7 103.7
13 38 TCF Bank Minnesota, FSB, Minneapolis 82.6 64.3
14 37 Washington Federal S&L Assn., Seattle 78.3 89.3
15 28 Republic Bank for Savings, New York (b 76.8 93.8
16 4 Dime Savings Bank of New York, FSB 76.4 64.6
17 68 Bluebonnet Savings Bank, FSB, Dallas 73.6 24.8
18 26 Emigrant Savings Bank, New York 72.1 58.1
19 50 First NH Bank, Manchester (f) 71.8 39.8
20 23 People's Bank, Bridgeport, Conn. 71 70.1
21 17 Guaranty Federal Savings Bank, Dallas 70.3 34.9
22 30 First Financial Bk, FSB, Stevens Point 67.9 56.5
23 31 Hudson City Svgs Bank, Paramus, N.J. ( 67.8 73
24 14 Bank United of Texas, FSB, Houston 66.2 108.4
25 20 Sovereign Bank, FSB, Wyomissing, Pa. 61.6 44.2
Top 25 in home Equity Loans Outstanding
Hel Asset H.E.L. H.E.L.
Rank Rank 12/95 12/94
1 92 East New York Svgs Bank, New York (a,b 596.9 -
2 4 Dime Savings Bank of New York, FSB 480.6 376.4
3 8 First Nationwide Bank, FSB, Dallas 399.7 407.5
4 13 Standard Federal Bank, Troy, Mich. 348.4 326.3
5 20 Sovereign Bank, FSB, Wyomissing, Pa. 329.9 319.6
6 5 Washington Mutual Bank, Seattle (c) 326.9 134.1
7 27 First Bank, FSB, Fargo, N.D. (b) 292.5 75.9
8 30 First Financial Bk, FSB, Stevens Point 284.5 234.2
9 52 Centerbank, Waterbury, Conn. 247.1 272.1
10 74 Peoples Heritage Svgs Bank, Portland, 236.5 203.8
11 12 Charter One Bank, FSB, Cleveland 229.6 312.8
12 35 Citizens Savings Bank, Providence, R.I 227.3 170.8
13 61 Ohio Savings Bank, FSB, Cleveland (c) 194.5 173.9
14 22 First Federal S&L Assn., Rochester, N. 184.7 198.1
15 23 People's Bank, Bridgeport, Conn. 181.1 176.7
16 57 Security Bank, SSB, Milwaukee 165.9 145.3
17 51 Rochester Community Svgs Bank, N.Y. (c 163.7 167.5
18 47 Citizens Bank of Massachusetts, Boston 160.2 96.5
19 77 Dollar Bank, FSB, Pittsburgh (M) 147.1 133.5
20 11 California Fed. Bank, FSB, Los Angeles 137.8 168.7
21 29 USAA FSB, San Antonio, Tex. 121.1 94.9
22 58 Webster Bank, FSB, Waterbury, Conn. 118.8 88.6
23 38 TCF Bank Minnesota, FSB, Minneapolis ( 116.5 102.1
24 73 Great Lakes Bancorp, FSB, Ann Arbor, M 105 72.1
25 53 American Savings Bank, FSB, Honolulu 100.8 90.4
Top 25 in Home Mortgage Loans Outstanding
mort Asset Mort Lns Mort Lns
Rank Rank 12/95 12/94
1 2 Great Western Bank, FSB, Chatsworth 24,813 23,457
2 1 Home Svgs of America,FSB, Irwindale (c 20,533 25,865
3 3 World S&L Assn., Oakland, Calif 20,500 23,213
4 6 American Savings Bank, FA, Irvine, Cal 9,487 9,996
5 5 Washington Mutual Bank, Seattle (c) 9,164 2,735
6 7 Citibank, FSB, San Francisco (b) 9,084 7,047
7 13 Standard Federal Bank, Troy, Mich. 8,096 7,445
8 8 First Nationwide Bank, FSB, Dallas 7,823 6,979
9 11 California Federal Bank, FSB, Los Ange 7,339 6,619
10 14 Bank United of Texas, FSB, Houston 7,326 5,187
11 4 Dime Savings Bank of New York, FSB 7,286 6,777
12 10 Glendale Federal Bank, FSB, Calif. (c) 6,446 5,528
13 15 LaSalle Bank, FSB, Chicago (f) 5,720 5,164
14 9 GreenPoint Bank, Queens, New York 5,296 4,929
15 12 Charter One Bank, FSB, Cleveland 5,145 5,275
16 22 First Federal S&L Assn., Rochester, N. 4,999 4,238
17 20 Sovereign Bank, FSB, Wyomissing, Pa. 4,046 3,725
18 25 Commercial Federal Bank, FSB, Omaha, N 4,012 3,784
19 17 Guaranty Federal Savings Bank, Dallas 3,860 3,921
20 40 Downey S&L Assn., FA, Newport Beach, C 3,669 3,689
21 18 Household Bank, FSB, Prospect Heights, 3,552 3,134
22 48 World Savings Bank, FSB, Warren, N.J. 3,533 29
23 16 Roosevelt Bank, FSB, Chesterfield, Mo. 3,368 3,055
24 19 Coast Federal Bank, Los Angeles 3,262 3,341
25 34 Third Federal S&L Assn., Cleveland (M) 3,179 2,897
Top 25 in the Number of Branch Offices
Branch Asset No. Brs No. Brs
Rank Rank 12/95 12/95
1 2 Great Western Bank, FSB, Chatsworth 417 419
2 1 Home Savings of America, FSB, Irwindal 341 357
3 5 Washington Mutual Bank, Seattle 231 232
4 3 World S&L Assn., Oakland, Calif. 227 237
5 7 Citibank, FSB, San Francisco (b) 209 206
6 299 Key Savings Bank, Seattle (a,b) 180 185
7 13 Standard Federal Bank, Troy, Mich. 166 170
8 8 First Nationwide Bank, FSB, Dallas 160 152
9 6 American Savings Bank, FA, Irvine, Cal 158 284
10 12 Charter One Bank, FSB, Cleveland 155 96
11 10 Glendale Federal Bank, FSB, Calif. 150 183
12 11 California Federal Bank, FSB, Los Ange 132 119
13 38 TCF Bank Minnesota, FSB, Minneapolis 131 133
14 30 First Financial Bank, FSB, Stevens Poi 129 124
15 20 Sovereign Bank, FSB, Wyomissing, Pa. 120 130
16 17 Guaranty Federal Savings Bank, Dallas 112 139
17 33 Chevy Chase Bank, FSB, Md. 91 85
18 19 Coast Federal Bank, Los Angeles 89 92
19 25 Commercial Federal Bank, FSB, Omaha, N 89 68
20 27 First Bank, FSB, Fargo, N.D. (b) 89 212
21 37 Washington Federal S&L Assn., Seattle 89 82
22 4 Dime Savings Bank of New York, FSB 87 34
23 50 First NH Bank, Manchester (f) 86 78
24 9 GreenPoint Bank, Queens, New York 84 24
25 23 People's Bank, Bridgeport, Conn. 81 78
The 15 Largest Commercial Bank-Own Thrifts
Asset Dep. Asset Deposits
Rank Rank 12/95 12/95
7 7 Citibank, FSB, San Francisco 15,824 11,312
Citicorp, New York
15 13 LaSalle Bank, FSB, Chicago) 10,658 7,256
ABN-AMRO Bank, Amsterdam
21 74 Bank of America, FSB, Portland 7,370 1,627
BankAmerica Corp., San Francisco
27 44 First Bank, FSB, Fargo (b) 5,965 2,978
First Bank System, Minneapolis
28 23 Republic Bank for Savings, New York (b 5,846 4,548
Republic New York Corp.
35 27 Citizens Savings Bank, Providence (f) 4,896 4,293
Royal Bank of Scotland Plc, Edinburgh
42 43 Bank of Boston Connecticut, Hartford ( 4,252 3,079
Bank of Boston Corp.
47 39 Citizens Bank of Massachusetts, Boston 4,065 3,461
Royal Bank of Scotland Plc, Edinburgh
50 45 First NH Bank, Manchester (f) 3,930 2,781
Bank of Ireland, Dublin
88 72 Bankers Savings, Perth Amboy (b) 1,902 1,641
Bankers Corp., Perth Amboy, N.J.
92 78 East New York Savings Bank, New York ( 1,796 1,593
First Empire Corp., Buffalo, N.Y.
110 128 Franklin First Savings Bank, Wilkes-Ba 1,503 975
Onbancorrp,Inc., Syracuse, N.Y.
119 112 Society First FSB, Fort Myers, Fla. (b 1,333 1,084
KeyCorp, Cleveland
121 110 Superior Federal Bank, FSB, Fort Smith 1,300 1,090
Boatmen's Bancshares, Inc., St. Louis
133 124 First of America Bk-Fla, FSB, St. Pete 1,220 990
First of America Bank Corp., Mich.