+++

Top 25 Asset Growth Among Top 300

Gain Asset Asset

Rank Rank 12/96

1 7 World Savings Bank, FSB, Warren, N.J. 16,946.807

2 115 Farmers & Mechanics Bank, Middletown, Conn. 1,395.409

3 51 Roslyn Savings Bank, N.Y. (M) 3,619.468

4 125 BankUnited, FSB, Coral Gables, Fla. 1,330.996

5 84 Regency Savings Bank, FSB, Naperville, Ill. 2,058.644

6 191 Liberty Savings Bank, FSB, Wilmington, Ohio 780.665

7 186 MSB Bank, Goshen, N.Y. 820.346

8 66 Norwest Bank Nevada, FSB, Reno, Nev. 2,771.973

9 139 Dime Savings Bank of Williamsburgh, Brooklyn 1,177.994

10 59 Mid America FSB, Clarendon Hills, Ill. 3,209.059

11 206 Luther Burbank S&LA, Santa Rosa, Calif. 703.425

12 91 Reliance Fed.Savings Bank,Garden City, NY. 1,878.917

13 15 Bank of America, FSB, Portland, Ore. (b) 11,408.584

14 129 Flagstar Bank, FSB, Bloomfield Hills, Mich. 1,297.843

15 163 First Fed.Svgs Bk of America, Fall River, Mas 971.506

16 70 BankAtlantic, FSB, Fort Lauderdale, Fla. 2,599.682

17 190 First Svgs Bank of Wash. FSB, Walla Walla 782.267

18 82 Commonwealth Savings Bank, Malvern, Pa. 2,099.463

19 141 CFX Bank, Keene, N.H. 1,166.567

20 232 Union Savings Bank, Danbury, Conn. (M) 649.275

21 96 Harris Savings Bank, Harrisburg, Pa. 1,768.112

22 161 Hemet Federal Savings & Loan Assn., Calif. 1,001.797

23 47 Ohio Savings Bank, FSB, Cleveland (c) 4,059.647

24 227 Bell Federal Savings & Loan Assn., Pittsburgh 653.312

25 68 Guardian Savings & Loan Assn., Houston 2,686.769

The 25 Largest Decline in Assets Among Top 300

Loss Asset Assets

Rank Rank 12/96

1 36 Household Bank, FSB, Wood Dale, Ill. 5,128.790

2 254 Franklin Federal Bancorp, FSB, Austin, Tex. 588.856

3 5 World Savings & Loan Assn., Oakland, Calif. 21,108.693

4 83 First American Bank, SSB, Bryan, Tex. 2,099.253

5 37 First Bank, FSB, Fargo, N.D. (b) 4,937.221

6 21 Roosevelt Bank, FSB, Chesterfield, Mo. 7,805.142

7 81 Great Lakes Bancorp, FSB, Ann Arbor, Mich. 2,171.092

8 274 First Federal Bank for Savings, Des Plaines, 538.626

9 44 Citizens Savings Bank, Providence, R.I. (f) 4,260.125

10 246 First Coastal Bank, Virginia Beach, Va. 614.097

11 208 Jefferson Savings & Loan Assn., Ballwin, Mo. 685.249

12 259 First Savings Bank of New Jersey, SLA, Bayonn 578.574

13 184 Home FS&LA, Charlotte, N.C. 826.117

14 14 GreenPoint Bank, New York 13,311.791

15 79 EurekaBank, FSB, Foster City, Calif. 2,200.014

16 236 International S&LA, Ltd., Honolulu 639.315

17 220 Mutual Savings Bank, FSB, Bay City, Mich. 664.718

18 6 Dime Savings Bank of New York, FSB 18,851.632

19 113 Franklin First Savings Bank, Wilkes-Barre, Pa 1,407.872

20 133 Superior Fed. Bk, FSB, Fort Smith, Ark. (b) 1,219.544

21 145 First of America Bk-Fla., FSB,St. Petersburg 1,148.598

22 16 Bank United, Houston 11,038.212

23 60 Local Federal Bank, FSB, Oklahoma City (c) 3,145.576

24 2 Great Western Bank, FSB, Chatsworth 40,136.456

25 271 Western Federal Svgs Bank, Missoula, Mont. 548.256

Top 25 in Assets Per Employee (Ast/E)

Ast/E Rank Ast/E

Rank Rank 12/96

1 58 Bluebonnet Savings Bank, FSB, Dallas 43,000

2 7 World Savings Bank, FSB, Warren, N.J. 40,254

3 243 Capital One, FSB, Falls Church, Va. 36,871

4 36 Household Bank, FSB, Wood Dale, Ill. 33,522

5 213 U.S. Svgs Bank of Wash. Bellingham (M) 30,454

6 242 Telebank, Arlington, Va. 19,606

7 68 Guardian Savings & Loan Assn., Houston 17,113

8 206 Luther Burbank S&LA,Santa Rosa, Calif. 13,272

9 264 Union County Savings Bank, Elizabeth, N.J. (M 13,112

10 283 Harrington Bank, FSB, Richmond, Ind. 11,700

11 227 Bell Federal Savings & Loan Assn., Pittsburgh 11,666

12 267 Acacia Federal Savings Bank, Falls Church, Va 11,551

13 118 Beal Bank, SSB, Dallas 11,131

14 63 Investors Savings Bank, Millburn, N.J. (M) 10,043

15 51 Roslyn Savings Bank, N.Y. (M) 9,862

16 201 Kearny Federal Savings Bank, N.J. (M) 9,679

17 288 Pulse Savings Bank, South River, N.J. 9,589

18 45 First Federal Bank of California, Santa Monic 9,397

19 73 Bankers Savings, Perth Amboy, N.J. (b) 9,317

20 30 Washington Federal S&L Assn., Seattle 8,897

21 238 Franklin Federal S&L Assn.,Glen Allen, Va. (M 8,853

22 34 Third Federal S&L Assn.,Cleveland (M) 8,522

23 40 Capitol Federal S&L Assn., Topeka, Kan. (M) 8,136

24 62 Bay View Federal Bank, FSB, San Mateo, Calif. 7,822

25 23 Astoria Fed. S&L Assn., Lake Success, N.Y. 7,798

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

Ratio assets Ratio

Rank Rank 12/96

1 201 Kearny Federal Savings Bank, N.J. (M) 108.18

2 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 61.96

3 240 Great American Federal S&L Assn., Pittsburgh 55.41

4 58 Bluebonnet Savings Bank, FSB, Dallas 44.33

5 260 Liberty Bank for Savings, Chicago (M) 43.85

6 264 Union County Savings Bank, Elizabeth, N.J. (M 43.09

7 219 Piedmont Fed S&LA, Winston-Salem, N.C. (M) 39.63

8 241 Klamath First FS&LA, Klamath Falls, Ore. 39

9 184 Home Federal Savings & Loan Assn., Charlotte, 37.06

10 257 Fidelity Homestead Assn., New Orleans, La. (M 35.2

11 238 Franklin FS&LA, Glen Allen, Va. (M) 34.78

12 26 Hudson City Savings Bank, Paramus, N.J. (M) 34.45

13 172 Massbank for Savings, Reading, Mass. 32.88

14 94 Ridgewood Savings Bank, Queens, New York (M) 32.39

15 127 Ocean Federal Savings Bank, Toms River, N.J. 30.98

16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 30.38

17 283 Harrington Bank, FSB, Richmond, Ind. 30.13

18 205 Colonial Savings & Loan Assn, FA, Fort Worth, 29.33

19 116 American Savings Bank, New Britain, Conn. (M) 29

20 198 Yakima Federal Savings & Loan Assn., Wash. (M 28.83

21 170 Maspeth FS&LA, Queens, New York (M) 28.8

22 289 Horizon Bank, FSB, Bellingham, Wash. 28.54

23 40 Capitol FS&LA, Topeka, Kan. (M) 28.44

24 68 Guardian Savings & Loan Assn., Houston 28.34

25 249 Trenton Savings Bank, N.J. 27.5

The 25 Ratios of Total Capital-to-Risk Assets

Ratio Asset Ratio

Rank Rank 12/96

1 201 Kearny Federal Savings Bank, N.J. (M) 109.43

2 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 62.48

3 240 Great American FS&LA, Pittsburgh 55.88

4 58 Bluebonnet Savings Bank, FSB, Dallas 44.18

5 260 Liberty Bank for Savings, Chicago (M) 44.16

6 264 Union County Savings Bank, Elizabeth, N.J. (M 43.36

7 219 Piedmont FS&LA, Winston-Salem, N.C. (M) 40.3

8 241 Klamath First Federal S&L Assn., Klamath Fall 39

9 184 Home Federal Savings & Loan Assn., Charlotte, 38.3

10 238 Franklin FS&LA, Glen Allen, Va. (M) 35.68

11 257 Fidelity Homestead Assn., New Orleans, La. (M 35.68

12 26 Hudson City Savings Bank, Paramus, N.J. (M) 35.08

13 172 Massbank for Savings, Reading, Mass. 33.74

14 94 Ridgewood Savings Bank, Queens, New York (M) 32.48

15 127 Ocean Federal Savings Bank, Toms River, N.J. 32.02

16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 30.86

17 283 Harrington Bank, FSB, Richmond, Ind. 30.23

18 116 American Savings Bank, New Britain, Conn. (M) 29.8

19 170 Maspeth Federal S&L, Queens, New York (M) 29.65

20 289 Horizon Bank, FSB, Bellingham, Wash. 29.49

21 205 Colonial Savings & Loan Assn, FA, Fort Worth, 29.23

22 198 Yakima Federal Savings & Loan Assn., Wash. (M 29.06

23 40 Capitol Federal S&LA, Topeka, Kan. (M) 28.48

24 249 Trenton Savings Bank, N.J. 28.4

25 68 Guardian Savings & Loan Assn., Houston 28.38

The 25 Best Core Capital (Leverage Capital) Ratios

Ratio Asset Ratio

Rank Rank 12/96

1 201 Kearny Federal Savings Bank, N.J. (M) 20.7

2 184 Home Federal Savings & Loan Assn., Charlotte, 19.7

3 240 Great American Fed. S&L Assn., Pittsburgh 19.13

4 241 Klamath First Federal S&L Assn., Klamath Fall 18

5 264 Union County Savings Bank, Elizabeth, N.J. (M 17.57

6 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 16.77

7 219 Piedmont FS&LA, Winston-Salem, N.C. (M) 15.95

8 218 Brookline Savings Bank, Mass. (M) 15.86

9 249 Trenton Savings Bank, N.J. 15.6

10 170 Maspeth FS&LA, Queens, New York (M) 15.5

11 116 American Savings Bank, New Britain, Conn. (M) 15.3

12 289 Horizon Bank, FSB, Bellingham, Wash. 15.21

13 260 Liberty Bank for Savings, Chicago (M) 14.9

14 94 Ridgewood Savings Bank, Queens, New York (M) 14.89

15 213 U.S. Savings Bank of Washington, Bellingham ( 14.45

16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 14.28

17 278 First Federal Savings & Loan Assn., Defiance, 13.97

18 198 Yakima Federal Savings & Loan Assn., Wash. (M 13.9

19 110 Jamaica Savings Bank, FSB, Lynbrook, N.Y. 13.54

20 272 Boiling Springs Savings Bank, Rutherford, N.J 13.01

21 127 Ocean Federal Savings Bank, Toms River, N.J. 12.69

22 140 Mutual Svgs Bk of Wisconsin, SA, Milwaukee (M 12.69

23 202 Flushing Savings Bank, Queens, New York 12.67

24 257 Fidelity Homestead Assn., New Orleans, La. (M 12.48

25 40 Capitol Federal S&L Assn., Topeka, Kan. (M) 12.44

Top 25 in Net Income for 1996

Inc. Asset Net Inc

Rank Rank 1996

1 9 First Nationwide Bank, FSB, Dallas 662.9

2 4 Washington Mutual Bank, Seattle (c) 220.8

3 36 Household Bank, FSB, Wood Dale, Ill. 176.3

4 16 Bank United, Houston 136.4

5 1 Home Savings of America, FSB, Irwindale, Cali 134.9

6 14 GreenPoint Bank, New York 132.6

7 13 Charter One Bank, FSB, Cleveland 126.6

8 6 Dime Savings Bank of New York, FSB 116.6

9 12 California Federal Bank, FSB, Los Angeles (c) 116.4

10 5 World Savings & Loan Assn., Oakland, Calif. 108.4

11 2 Great Western Bank, FSB, Chatsworth 98.4

12 27 USAA Federal Savings Bank, San Antonio, Tex. 86.4

13 30 Washington Federal S&L Assn., Seattle 84.2

14 24 First Federal S&L Assn., Rochester, N.Y. 81.5

15 26 Hudson City Savings Bank, Paramus, N.J. (M) 80.8

16 29 Emigrant Savings Bank, New York 80.4

17 22 People's Bank, Bridgeport, Conn. 80.1

18 58 Bluebonnet Savings Bank, FSB, Dallas 76.4

19 44 Citizens Savings Bank, Providence, R.I. (f) 74.6

20 38 TCF Bank Minnesota, FSB, Minneapolis (c) 71.6

21 7 World Savings Bank, FSB, Warren, N.J. 69.2

22 18 Sovereign Bank, FSB, Wyomissing, Pa. 60.5

23 10 Standard Federal Bank, Troy, Mich. 56.6

24 41 Citizens Bank of Massachusetts, Boston (f) 53.1

25 118 Beal Bank, SSB, Dallas 52.7

Top 25 in Home Equity Loans Outstanding

H.E.L. Asset H.E.L

Rank Rank 21/96

1 86 East New York Savings Bank, New York (b) 630.2

2 37 First Bank, FSB, Fargo, N.D. (b) 522.9

3 10 Standard Federal Bank, Troy, Mich. 393.1

4 18 Sovereign Bank, FSB, Wyomissing, Pa. 376.4

5 4 Washington Mutual Bank, Seattle (c) 321.2

6 32 First Financial Bank, FSB, Stevens Point, Wis 296.5

7 13 Charter One Bank, FSB, Cleveland 280.5

8 69 Peoples Heritage Savings Bank, Portland, Me. 273.2

9 9 First Nationwide Bank, FSB, Dallas 243.3

10 44 Citizens Savings Bank, Providence, R.I. (f) 233.8

11 39 Bank of Boston Connecticut, Hartford (b) 218.6

12 53 Security Bank, SSB, Milwaukee 208

13 41 Citizens Bank of Massachusetts, Boston (f) 201.4

14 47 Ohio Savings Bank, FSB, Cleveland (c) 196

15 24 First Federal S&L Assn., Rochester, N.Y. 186.3

16 46 Rochester Community Savings Bank, N.Y. (c) 169

17 27 USAA Fed. Savings Bank, San Antonio, Tex. 139.4

18 49 Webster Bank, FSB, Waterbury, Conn. 138.6

19 48 Citizens Bk of New Hampshire, Manchester (f) 126.4

20 81 Great Lakes Bancorp, FSB, Ann Arbor, Mich. 123.3

21 12 California Federal Bank, FSB, Los Angeles (c) 121.8

22 72 Dollar Bank, FSB, Pittsburgh (M) 113

23 52 American Savings Bank, FSB, Honolulu 109.1

24 136 Derby Savings Bank, Conn. 99

25 38 TCF Bank Minnesota, FSB, Minneapolis (c) 95.8

Top 25 in Home Mortgage Loans Outstanding

Mort Asset Mort Lns

Rank Rank 12/96

1 2 Great Western Bank, FSB, Chatsworth 26,060

2 1 Home Svgs of America, FSB, Irwindale, Calif. 20,899

3 5 World Savings & Loan Assn., Oakland, Calif. 13,377

4 3 American Savings Bank, FA, Irvine, Calif. 13,054

5 7 World Savings Bank, FSB, Warren, N.J. 12,412

6 4 Washington Mutual Bank, Seattle (c) 11,774

7 8 Citibank, FSB, San Francisco (b) 10,601

8 10 Standard Federal Bank, Troy, Mich. 10,535

9 6 Dime Savings Bank of New York, FSB 8,644

10 12 California Federal Bank, FSB, Los Angeles (c) 8,310

11 11 Glendale Federal Bank, FSB, Calif. (c) 8,097

12 16 Bank United, Houston 7,210

13 9 First Nationwide Bank, FSB, Dallas 6,841

14 14 GreenPoint Bank, New York 6,402

15 13 Charter One Bank, FSB, Cleveland 6,340

16 15 Bank of America, FSB, Portland, Ore. (b) 6,255

17 17 LaSalle Bank, FSB, Chicago (f) 5,709

18 18 Sovereign Bank, FSB, Wyomissing, Pa. 5,068

19 24 First Federal S&L Assn., Rochester, N.Y. 5,049

20 19 Guaranty Federal Savings Bank, Dallas 4,863

21 25 Commercial Federal Bank, FSB, Omaha, Neb. 4,439

22 35 Downey S&L Assn., FA, Newport Beach, Calif. 4,120

23 20 Coast Federal Bank, Los Angeles 4,013

24 30 Washington Federal S&L Assn., Seattle 3,974

25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 3,902

Top 25 in Number of Branch Offices

Branch Asset No.Brs

Rank Rank 12/96

1 2 Great Western Bank, FSB, Chatsworth 416

2 1 Home Savings of America, FSB, Irwindale, Cali 391

3 4 Washington Mutual Bank, Seattle (c) 301

4 5 World Savings & Loan Assn., Oakland, Calif. 242

5 8 Citibank, FSB, San Francisco (b) 208

6 10 Standard Federal Bank, Troy, Mich. 182

7 13 Charter One Bank, FSB, Cleveland 172

8 3 American Savings Bank, FA, Irvine, Calif. 158

9 11 Glendale Federal Bank, FSB, Calif. (c) 147

10 38 TCF Bank Minnesota, FSB, Minneapolis (c) 131

11 32 First Financial Bank, FSB, Stevens Point, Wis 128

12 18 Sovereign Bank, FSB, Wyomissing, Pa. 122

13 12 California Federal Bank, FSB, Los Angeles (c) 119

14 9 First Nationwide Bank, FSB, Dallas 116

15 28 Chevy Chase Bank, FSB, McLean, Va. 114

16 19 Guaranty Federal Savings Bank, Dallas 113

17 15 Bank of America, FSB, Portland, Ore. (b) 110

18 25 Commercial Federal Bank, FSB, Omaha, Neb. 105

19 30 Washington Federal S&L Assn., Seattle 102

20 22 People's Bank, Bridgeport, Conn. 93

20 37 First Bank, FSB, Fargo, N.D. (b) 93

22 20 Coast Federal Bank, Los Angeles 90

23 6 Dime Savings Bank of New York, FSB 86

24 48 Citizens Bank of New Hampshire, Manchester (f 84

25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 82

Top 25 in IRA Deposits on Dec.31 1996

IRA Dep IRA Dep

Rank Rank 12/96

1 1 Home Svgs of America, FSB, Irwindale, Calif. 3,391.197

2 2 Great Western Bank, FSB, Chatsworth 2,545.921

3 14 GreenPoint Bank, New York 1,851.751

4 6 Dime Savings Bank of New York, FSB 1,477.812

5 5 World S&L Assn., Oakland, Calif. 1,278.739

6 3 American Savings Bank, FA, Irvine, Calif. 1,262.681

7 10 Standard Federal Bank, Troy, Mich. 1,060.512

8 8 Citibank, FSB, San Francisco (b) 1,012.646

9 12 California Fed Bank, FSB, Los Angeles (c) 927.464

10 17 LaSalle Bank, FSB, Chicago (f) 865.026

11 34 Third Federal S&L Assn., Cleveland (M) 861.088

12 11 Glendale Federal Bank, FSB, Calif. (c) 852.000

13 4 Washington Mutual Bank, Seattle (c) 836.782

14 13 Charter One Bank, FSB, Cleveland 835.591

15 29 Emigrant Savings Bank, New York 785.072

16 9 First Nationwide Bank, FSB, Dallas 781.166

17 19 Guaranty Federal Savings Bank, Dallas 773.723

18 23 Astoria FS&LA, Lake Success, N.Y. 718.066

19 16 Bank United, Houston 666.308

20 40 Capitol Fed. S&L Assn., Topeka, Kan. (M) 661.068

21 43 Apple Bank for Savings, New York (M) 599.845

22 44 Citizens Savings Bank, Providence, R.I. (f) 581.956

23 22 People's Bank, Bridgeport, Conn. 578.655

24 7 World Savings Bank, FSB, Warren, N.J. 562.446

25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 553.345

The 15 Largets Commercial Bank-Owned Thrifts

Asset Dep. Names of Thrifts Assets

Rank Rank Names of Parent Banking Co. 12/96

8 5 Citibank, FSB, San Francisco (b) 16.840

Citicorp, New York

15 66 Bank of America, FSB, Portland, Ore. (b) 11,409

BankAmerica Corp., San Francisco

17 15 LaSalle Bank, FSB, Chicago (f) 10,842

ABN-AMRO Bank, Amsterdam, Netherlands

37 47 First Bank, FSB, Fargo, N.D. (b) 4,937

First Bank System, Minneapolis

39 42 Bank of Boston Connecticut, Hartford (b) 4,630

BankBoston Corp.

41 35 Citizens Bank of Massachusetts, Boston (f) 4,337

Royal Bank of Scotland Plc., Edinburgh, U.K.

44 33 Citizens Savings Bank, Providence, R.I. (f) 4,260

Royal Bank of Scotland Plc., Edinburgh, U.K.

48 46 Citizens Bank of New Hampshire, Manchester (f 3,959

Royal Bank of Scotland Plc., Edinburgh, U.K.

73 76 Bankers Savings, Perth Amboy, N.J. (b) 2,460

Bankers Corp., Perth Amboy, N.J.

86 67 East New York Savings Bank, New York (b) 1,996

First Empire Corp., Buffalo, N.Y.

113 131 Franklin First Savings Bank, Wilkes-Barre, Pa 1,408

Onbancorp, Inc., Syracuse, N.Y.

131 345 Banco Popular, FSB, Newark, N.J. (b) 1,277

BanPonce Corp., Hato Rey, P.R.

132 140 First Federal Savings & Loan Assn., Honolulu 1,224

Bancorp Hawaii, Inc., Honolulu

133 116 Superior Federal Bank, FSB, Fort Smith, (b) 1,220

NationsBank Corp., Charlotte, N.C.

145 130 First of America Bank-Florida, FSB, St. Peter 1,149

First of America Bank Corp., Grand Rapids, Mich.

part 2 of 2

second column of tables above

Top 25 Asset Growth Among Top 300

Gain Asset

Rank Rank % Gain

1 7 World Savings Bank, FSB, Warren, N.J. 321.51

2 115 Farmers & Mechanics Bank, Middletown, Conn. 171.13

3 51 Roslyn Savings Bank, N.Y. (M) 125.95

4 125 BankUnited, FSB, Coral Gables, Fla. 109.77

5 84 Regency Savings Bank, FSB, Naperville, Ill. 85.76

6 191 Liberty Savings Bank, FSB, Wilmington, Ohio 81.67

7 186 MSB Bank, Goshen, N.Y. 80.78

8 66 Norwest Bank Nevada, FSB, Reno, Nev. 77.11

9 139 Dime Savings Bank of Williamsburgh, Brooklyn 76.58

10 59 Mid America FSB, Clarendon Hills, Ill. 67.71

11 206 Luther Burbank S&LA, Santa Rosa, Calif. 64.24

12 91 Reliance Fed.Savings Bank,Garden City, NY. 60.08

13 15 Bank of America, FSB, Portland, Ore. (b) 54.8

14 129 Flagstar Bank, FSB, Bloomfield Hills, Mich. 54.14

15 163 First Fed.Svgs Bk of America, Fall River, Mas 52.9

16 70 BankAtlantic, FSB, Fort Lauderdale, Fla. 48.81

17 190 First Svgs Bank of Wash. FSB, Walla Walla 44.35

18 82 Commonwealth Savings Bank, Malvern, Pa. 44.09

19 141 CFX Bank, Keene, N.H. 43.38

20 232 Union Savings Bank, Danbury, Conn. (M) 43.1

21 96 Harris Savings Bank, Harrisburg, Pa. 40.79

22 161 Hemet Federal Savings & Loan Assn., Calif. 38.5

23 47 Ohio Savings Bank, FSB, Cleveland (c) 35.32

24 227 Bell Federal Savings & Loan Assn., Pittsburgh 34.81

25 68 Guardian Savings & Loan Assn., Houston 34.41

The 25 Largest Decline in Assets Among Top 300

Loss Asset

Rank Rank Drop

1 36 Household Bank, FSB, Wood Dale, Ill. -38.85

2 254 Franklin Federal Bancorp, FSB, Austin, Tex. -35.82

3 5 World Savings & Loan Assn., Oakland, Calif. -30.66

4 83 First American Bank, SSB, Bryan, Tex. -18.32

5 37 First Bank, FSB, Fargo, N.D. (b) -17.23

6 21 Roosevelt Bank, FSB, Chesterfield, Mo. -13.99

7 81 Great Lakes Bancorp, FSB, Ann Arbor, Mich. -13.94

8 274 First Federal Bank for Savings, Des Plaines, -13.49

9 44 Citizens Savings Bank, Providence, R.I. (f) -12.98

10 246 First Coastal Bank, Virginia Beach, Va. -12.53

11 208 Jefferson Savings & Loan Assn., Ballwin, Mo. -12.24

12 259 First Savings Bank of New Jersey, SLA, Bayonn -11.95

13 184 Home FS&LA, Charlotte, N.C. -11.07

14 14 GreenPoint Bank, New York -9.22

15 79 EurekaBank, FSB, Foster City, Calif. -8.74

16 236 International S&LA, Ltd., Honolulu -8.22

17 220 Mutual Savings Bank, FSB, Bay City, Mich. -7.81

18 6 Dime Savings Bank of New York, FSB -7.26

19 113 Franklin First Savings Bank, Wilkes-Barre, Pa -6.32

20 133 Superior Fed. Bk, FSB, Fort Smith, Ark. (b) -6.2

21 145 First of America Bk-Fla., FSB,St. Petersburg -5.85

22 16 Bank United, Houston -4.82

23 60 Local Federal Bank, FSB, Oklahoma City (c) -4.53

24 2 Great Western Bank, FSB, Chatsworth -4.46

25 271 Western Federal Svgs Bank, Missoula, Mont. -3.8

Top 25 in Assets Per Employee (Ast/E)

Ast/E Rank No.of

Rank Rank Empl.

1 58 Bluebonnet Savings Bank, FSB, Dallas 75

2 7 World Savings Bank, FSB, Warren, N.J. 421

3 243 Capital One, FSB, Falls Church, Va. 17

4 36 Household Bank, FSB, Wood Dale, Ill. 153

5 213 U.S. Svgs Bank of Wash. Bellingham (M) 22

6 242 Telebank, Arlington, Va. 32

7 68 Guardian Savings & Loan Assn., Houston 157

8 206 Luther Burbank S&LA,Santa Rosa, Calif. 53

9 264 Union County Savings Bank, Elizabeth, N.J. (M 43

10 283 Harrington Bank, FSB, Richmond, Ind. 45

11 227 Bell Federal Savings & Loan Assn., Pittsburgh 56

12 267 Acacia Federal Savings Bank, Falls Church, Va 48

13 118 Beal Bank, SSB, Dallas 123

14 63 Investors Savings Bank, Millburn, N.J. (M) 293

15 51 Roslyn Savings Bank, N.Y. (M) 367

16 201 Kearny Federal Savings Bank, N.J. (M) 76

17 288 Pulse Savings Bank, South River, N.J. 53

18 45 First Federal Bank of California, Santa Monic 442

19 73 Bankers Savings, Perth Amboy, N.J. (b) 264

20 30 Washington Federal S&L Assn., Seattle 660

21 238 Franklin Federal S&L Assn.,Glen Allen, Va. (M 72

22 34 Third Federal S&L Assn.,Cleveland (M) 617

23 40 Capitol Federal S&L Assn., Topeka, Kan. (M) 549

24 62 Bay View Federal Bank, FSB, San Mateo, Calif. 383

25 23 Astoria Fed. S&L Assn., Lake Success, N.Y. 930

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

Ratio assets $ Amt

Rank Rank Tier 1

1 201 Kearny Federal Savings Bank, N.J. (M) 150.9

2 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 124.5

3 240 Great American Federal S&L Assn., Pittsburgh 121

4 58 Bluebonnet Savings Bank, FSB, Dallas 255.1

5 260 Liberty Bank for Savings, Chicago (M) 84.3

6 264 Union County Savings Bank, Elizabeth, N.J. (M 97.9

7 219 Piedmont Fed S&LA, Winston-Salem, N.C. (M) 105.2

8 241 Klamath First FS&LA, Klamath Falls, Ore. 114.2

9 184 Home Federal Savings & Loan Assn., Charlotte, 161.8

10 257 Fidelity Homestead Assn., New Orleans, La. (M 73.1

11 238 Franklin FS&LA, Glen Allen, Va. (M) 68.1

12 26 Hudson City Savings Bank, Paramus, N.J. (M) 711.9

13 172 Massbank for Savings, Reading, Mass. 85.7

14 94 Ridgewood Savings Bank, Queens, New York (M) 270

15 127 Ocean Federal Savings Bank, Toms River, N.J. 165.5

16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 70.1

17 283 Harrington Bank, FSB, Richmond, Ind. 33.4

18 205 Colonial Savings & Loan Assn, FA, Fort Worth, 79

19 116 American Savings Bank, New Britain, Conn. (M) 204.9

20 198 Yakima Federal Savings & Loan Assn., Wash. (M 103.7

21 170 Maspeth FS&LA, Queens, New York (M) 139

22 289 Horizon Bank, FSB, Bellingham, Wash. 76.5

23 40 Capitol FS&LA, Topeka, Kan. (M) 554.5

24 68 Guardian Savings & Loan Assn., Houston 143.6

25 249 Trenton Savings Bank, N.J. 92.3

The 25 Ratios of Total Capital-to-Risk Assets

Ratio Asset $ Amt

Rank Rank Total

1 201 Kearny Federal Savings Bank, N.J. (M) 152.6

2 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 125.5

3 240 Great American FS&LA, Pittsburgh 122.1

4 58 Bluebonnet Savings Bank, FSB, Dallas 254.2

5 260 Liberty Bank for Savings, Chicago (M) 84.9

6 264 Union County Savings Bank, Elizabeth, N.J. (M 98.5

7 219 Piedmont FS&LA, Winston-Salem, N.C. (M) 107

8 241 Klamath First Federal S&L Assn., Klamath Fall 115.1

9 184 Home Federal Savings & Loan Assn., Charlotte, 167.3

10 238 Franklin FS&LA, Glen Allen, Va. (M) 69.9

11 257 Fidelity Homestead Assn., New Orleans, La. (M 74.1

12 26 Hudson City Savings Bank, Paramus, N.J. (M) 724.9

13 172 Massbank for Savings, Reading, Mass. 87.9

14 94 Ridgewood Savings Bank, Queens, New York (M) 271.4

15 127 Ocean Federal Savings Bank, Toms River, N.J. 171.2

16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 71.2

17 283 Harrington Bank, FSB, Richmond, Ind. 33.5

18 116 American Savings Bank, New Britain, Conn. (M) 210.5

19 170 Maspeth Federal S&L, Queens, New York (M) 143.1

20 289 Horizon Bank, FSB, Bellingham, Wash. 79

21 205 Colonial Savings & Loan Assn, FA, Fort Worth, 78.8

22 198 Yakima Federal Savings & Loan Assn., Wash. (M 104.6

23 40 Capitol Federal S&LA, Topeka, Kan. (M) 555.3

24 249 Trenton Savings Bank, N.J. 95.2

25 68 Guardian Savings & Loan Assn., Houston 143.7

The 25 Best Core Capital (Leverage Capital) Ratios

Ratio Asset $ Amt

Rank Rank Tier 1

1 201 Kearny Federal Savings Bank, N.J. (M) 150.9

2 184 Home Federal Savings & Loan Assn., Charlotte, 161.8

3 240 Great American Fed. S&L Assn., Pittsburgh 121

4 241 Klamath First Federal S&L Assn., Klamath Fall 114.2

5 264 Union County Savings Bank, Elizabeth, N.J. (M 97.9

6 199 Inter-Boro Savings & Loan Assn., Cherry Hill, 124.5

7 219 Piedmont FS&LA, Winston-Salem, N.C. (M) 105.2

8 218 Brookline Savings Bank, Mass. (M) 105.3

9 249 Trenton Savings Bank, N.J. 92.3

10 170 Maspeth FS&LA, Queens, New York (M) 139

11 116 American Savings Bank, New Britain, Conn. (M) 204.9

12 289 Horizon Bank, FSB, Bellingham, Wash. 76.5

13 260 Liberty Bank for Savings, Chicago (M) 84.3

14 94 Ridgewood Savings Bank, Queens, New York (M) 270

15 213 U.S. Savings Bank of Washington, Bellingham ( 101.8

16 299 Roma Federal Savings Bank, Trenton, N.J. (M) 70.1

17 278 First Federal Savings & Loan Assn., Defiance, 74.6

18 198 Yakima Federal Savings & Loan Assn., Wash. (M 103.7

19 110 Jamaica Savings Bank, FSB, Lynbrook, N.Y. 188.3

20 272 Boiling Springs Savings Bank, Rutherford, N.J 70.5

21 127 Ocean Federal Savings Bank, Toms River, N.J. 165.5

22 140 Mutual Svgs Bk of Wisconsin, SA, Milwaukee (M 152.5

23 202 Flushing Savings Bank, Queens, New York 93.1

24 257 Fidelity Homestead Assn., New Orleans, La. (M 73.1

25 40 Capitol Federal S&L Assn., Topeka, Kan. (M) 554.5

Top 25 in Net Income for 1996

Inc. Asset Net Inc

Rank Rank 1996

1 9 First Nationwide Bank, FSB, Dallas 211.3

2 4 Washington Mutual Bank, Seattle (c) 178.6

3 36 Household Bank, FSB, Wood Dale, Ill. 206

4 16 Bank United, Houston 66.2

5 1 Home Savings of America, FSB, Irwindale, Cali 272.4

6 14 GreenPoint Bank, New York 97.4

7 13 Charter One Bank, FSB, Cleveland 40.7

8 6 Dime Savings Bank of New York, FSB 76.4

9 12 California Federal Bank, FSB, Los Angeles (c) 93.6

10 5 World Savings & Loan Assn., Oakland, Calif. 271.9

11 2 Great Western Bank, FSB, Chatsworth 239.5

12 27 USAA Federal Savings Bank, San Antonio, Tex. 85.7

13 30 Washington Federal S&L Assn., Seattle 78.3

14 24 First Federal S&L Assn., Rochester, N.Y. 47.2

15 26 Hudson City Savings Bank, Paramus, N.J. (M) 67.8

16 29 Emigrant Savings Bank, New York 72.1

17 22 People's Bank, Bridgeport, Conn. 71

18 58 Bluebonnet Savings Bank, FSB, Dallas 73.6

19 44 Citizens Savings Bank, Providence, R.I. (f) 40

20 38 TCF Bank Minnesota, FSB, Minneapolis (c) 82.6

21 7 World Savings Bank, FSB, Warren, N.J. -3.5

22 18 Sovereign Bank, FSB, Wyomissing, Pa. 61.6

23 10 Standard Federal Bank, Troy, Mich. 119.9

24 41 Citizens Bank of Massachusetts, Boston (f) 26.9

25 118 Beal Bank, SSB, Dallas 27.4

Top 25 in Home Equity Loans Outstanding

H.E.L. Asset H.E.L

Rank Rank 21/96

1 86 East New York Savings Bank, New York (b) 596.9

2 37 First Bank, FSB, Fargo, N.D. (b) 292.5

3 10 Standard Federal Bank, Troy, Mich. 348.4

4 18 Sovereign Bank, FSB, Wyomissing, Pa. 329.9

5 4 Washington Mutual Bank, Seattle (c) 326.9

6 32 First Financial Bank, FSB, Stevens Point, Wis 284.5

7 13 Charter One Bank, FSB, Cleveland 229.6

8 69 Peoples Heritage Savings Bank, Portland, Me. 236.5

9 9 First Nationwide Bank, FSB, Dallas 399.7

10 44 Citizens Savings Bank, Providence, R.I. (f) 227.3

11 39 Bank of Boston Connecticut, Hartford (b) 256.9

12 53 Security Bank, SSB, Milwaukee 165.9

13 41 Citizens Bank of Massachusetts, Boston (f) 160.2

14 47 Ohio Savings Bank, FSB, Cleveland (c) 194.5

15 24 First Federal S&L Assn., Rochester, N.Y. 184.7

16 46 Rochester Community Savings Bank, N.Y. (c) 163.7

17 27 USAA Fed. Savings Bank, San Antonio, Tex. 121.1

18 49 Webster Bank, FSB, Waterbury, Conn. 118.8

19 48 Citizens Bk of New Hampshire, Manchester (f) 141.3

20 81 Great Lakes Bancorp, FSB, Ann Arbor, Mich. 105

21 12 California Federal Bank, FSB, Los Angeles (c) 137.8

22 72 Dollar Bank, FSB, Pittsburgh (M) 147.1

23 52 American Savings Bank, FSB, Honolulu 100.8

24 136 Derby Savings Bank, Conn. 79.4

25 38 TCF Bank Minnesota, FSB, Minneapolis (c) 90

Top 25 in Home Mortgage Loans Outstanding

Mort Asset Mort Lns

Rank Rank 12/96

1 2 Great Western Bank, FSB, Chatsworth 24,829

2 1 Home Svgs of America, FSB, Irwindale, Calif. 20,533

3 5 World Savings & Loan Assn., Oakland, Calif. 20,500

4 3 American Savings Bank, FA, Irvine, Calif. 9,487

5 7 World Savings Bank, FSB, Warren, N.J. 3,535

6 4 Washington Mutual Bank, Seattle (c) 9,491

7 8 Citibank, FSB, San Francisco (b) 9,091

8 10 Standard Federal Bank, Troy, Mich. 8,402

9 6 Dime Savings Bank of New York, FSB 7,288

10 12 California Federal Bank, FSB, Los Angeles (c) 7,339

11 11 Glendale Federal Bank, FSB, Calif. (c) 6,454

12 16 Bank United, Houston 7,564

13 9 First Nationwide Bank, FSB, Dallas 7,823

14 14 GreenPoint Bank, New York 5,301

15 13 Charter One Bank, FSB, Cleveland 5,278

16 15 Bank of America, FSB, Portland, Ore. (b) 3,065

17 17 LaSalle Bank, FSB, Chicago (f) 5,729

18 18 Sovereign Bank, FSB, Wyomissing, Pa. 4,107

19 24 First Federal S&L Assn., Rochester, N.Y. 5,003

20 19 Guaranty Federal Savings Bank, Dallas 4,224

21 25 Commercial Federal Bank, FSB, Omaha, Neb. 4,192

22 35 Downey S&L Assn., FA, Newport Beach, Calif. 3,692

23 20 Coast Federal Bank, Los Angeles 3,262

24 30 Washington Federal S&L Assn., Seattle 3,246

25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 37

Top 25 in Number of Branch Offices

Branch Asset No.Brs

Rank Rank 12/96

1 2 Great Western Bank, FSB, Chatsworth 417

2 1 Home Savings of America, FSB, Irwindale, Cali 341

3 4 Washington Mutual Bank, Seattle (c) 231

4 5 World Savings & Loan Assn., Oakland, Calif. 227

5 8 Citibank, FSB, San Francisco (b) 209

6 10 Standard Federal Bank, Troy, Mich. 166

7 13 Charter One Bank, FSB, Cleveland 155

8 3 American Savings Bank, FA, Irvine, Calif. 158

9 11 Glendale Federal Bank, FSB, Calif. (c) 150

10 38 TCF Bank Minnesota, FSB, Minneapolis (c) 131

11 32 First Financial Bank, FSB, Stevens Point, Wis 129

12 18 Sovereign Bank, FSB, Wyomissing, Pa. 120

13 12 California Federal Bank, FSB, Los Angeles (c) 132

14 9 First Nationwide Bank, FSB, Dallas 160

15 28 Chevy Chase Bank, FSB, McLean, Va. 91

16 19 Guaranty Federal Savings Bank, Dallas 112

17 15 Bank of America, FSB, Portland, Ore. (b) 46

18 25 Commercial Federal Bank, FSB, Omaha, Neb. 89

19 30 Washington Federal S&L Assn., Seattle 89

20 22 People's Bank, Bridgeport, Conn. 81

20 37 First Bank, FSB, Fargo, N.D. (b) 89

22 20 Coast Federal Bank, Los Angeles 89

23 6 Dime Savings Bank of New York, FSB 87

24 48 Citizens Bank of New Hampshire, Manchester (f 86

25 21 Roosevelt Bank, FSB, Chesterfield, Mo. 79

Top 25 in IRA Deposits on Dec.31 1996

IRA Dep

Rank Rank % Chng

1 1 Home Svgs of America, FSB, Irwindale, Calif. -0.7

2 2 Great Western Bank, FSB, Chatsworth -7.19

3 14 GreenPoint Bank, New York -11.93

4 6 Dime Savings Bank of New York, FSB -5.89

5 5 World S&L Assn., Oakland, Calif. -26.85

6 3 American Savings Bank, FA, Irvine, Calif. -9.45

7 10 Standard Federal Bank, Troy, Mich. 22.75

8 8 Citibank, FSB, San Francisco (b) -18.65

9 12 California Fed Bank, FSB, Los Angeles (c) -9.82

10 17 LaSalle Bank, FSB, Chicago (f) -0.94

11 34 Third Federal S&L Assn., Cleveland (M) 3.79

12 11 Glendale Federal Bank, FSB, Calif. (c) -13.43

13 4 Washington Mutual Bank, Seattle (c) -2.78

14 13 Charter One Bank, FSB, Cleveland 5.89

15 29 Emigrant Savings Bank, New York -0.98

16 9 First Nationwide Bank, FSB, Dallas -36.81

17 19 Guaranty Federal Savings Bank, Dallas -5.92

18 23 Astoria FS&LA, Lake Success, N.Y. 10.1

19 16 Bank United, Houston -7.76

20 40 Capitol Fed. S&L Assn., Topeka, Kan. (M) -0.07

21 43 Apple Bank for Savings, New York (M) -1.95

22 44 Citizens Savings Bank, Providence, R.I. (f) -12.09

23 22 People's Bank, Bridgeport, Conn. -1.43

24 7 World Savings Bank, FSB, Warren, N.J. 461.03

25 21 Roosevelt Bank, FSB, Chesterfield, Mo. N.M.

The 15 Largets Commercial Bank-Owned Thrifts

Asset Dep. Names of Thrifts Deposits

Rank Rank Names of Parent Banking Co. 12/96

8 5 Citibank, FSB, San Francisco (b) 12,704

Citicorp, New York

15 66 Bank of America, FSB, Portland, Ore. (b) 1,773

BankAmerica Corp., San Francisco

17 15 LaSalle Bank, FSB, Chicago (f) 7,713

ABN-AMRO Bank, Amsterdam, Netherlands

37 47 First Bank, FSB, Fargo, N.D. (b) 2,675

First Bank System, Minneapolis

39 42 Bank of Boston Connecticut, Hartford (b) 3,148

BankBoston Corp.

41 35 Citizens Bank of Massachusetts, Boston (f) 3,591

Royal Bank of Scotland Plc., Edinburgh, U.K.

44 33 Citizens Savings Bank, Providence, R.I. (f) 3,737

Royal Bank of Scotland Plc., Edinburgh, U.K.

48 46 Citizens Bank of New Hampshire, Manchester (f 2,741

Royal Bank of Scotland Plc., Edinburgh, U.K.

73 76 Bankers Savings, Perth Amboy, N.J. (b) 1,641

Bankers Corp., Perth Amboy, N.J.

86 67 East New York Savings Bank, New York (b) 1,764

First Empire Corp., Buffalo, N.Y.

113 131 Franklin First Savings Bank, Wilkes-Barre, Pa 915

Onbancorp, Inc., Syracuse, N.Y.

131 345 Banco Popular, FSB, Newark, N.J. (b) 211

BanPonce Corp., Hato Rey, P.R.

132 140 First Federal Savings & Loan Assn., Honolulu 863

Bancorp Hawaii, Inc., Honolulu

133 116 Superior Federal Bank, FSB, Fort Smith, (b) 1,002

NationsBank Corp., Charlotte, N.C.

145 130 First of America Bank-Florida, FSB, St. Peter 921

First of America Bank Corp., Grand Rapids, Mi ===

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