Top 300 thrifts in Assets and Deposits at Yearend 1995: Summary of

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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. ===

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