TOP 25 THRIFTS RANKED FROM AN EQUITY PERSPECTIVE
      
  

Overall   Rank Company Name, Headquarters Ticker   Asset   Rank Total Assets   1999
($ Mil.)
Total Equity   1999
($ Mil.)
Difference   Between Equity and Median E/A Ratio   1999 (%) Equity  Growth   1996-99 Equity  Growth   Rank Average   ROAE
1996-99 (%)
Adjusted   ROAE
1996-99? (%)
Adjusted   ROAE
Rank
Total  Score
1 Golden State Bancorp, San Francisco, CA GSB 1 57,019 1,562 37.6% 2.74 810% 1 57.30 21.57 3 4
2 Staten Island Bancorp, Staten Island, NY SIB 20 4,489 571 174.9% 12.73 234% 2 9.16 16.02 5 7
3 Hudson City Bancorp, Paramus, NJ HCBK 13 8,519 1,479 238.5% 17.36 106% 9 10.92 26.03 1 10
4 Flagstar Bancorp, Bloomfield Hills, MI FLGS 21 4,310 186 59.2% 4.31 137% 7 23.88 14.14 7 14
5 PBOC Holdings, Los Angeles, CA PBOC 25 3,398 179 72.5% 5.28 177% 4 16.16 11.72 13 17
6 Capitol Federal Financial, Topeka, KA CFFN 15 6,539 1,047 219.8% 16.00 91% 12 6.75 14.83 6 18
7 Independence Community Bank, Brooklyn, NY   ICBC 17 5,537 825 204.7% 14.90 185% 3 5.23 10.70 17 20
8 Commercial Federal Corp., Omaha, NE CFB 9 12,775 967 104.0% 7.57 134% 8 11.21 11.65 14 22
9 GreenPoint Financial Corp., New York, NY GPT 8 15,401 1,987 177.2% 12.90 36% 19 10.19 18.05 4 23
10 Washington Federal, Seattle, WA WFSL 16 6,164 750 167.2% 12.17 30% 22 14.86 24.84 2 24
11 Sovereign Bancorp, Philadelphia, PA SVRN 4 26,607 1,821 94.1% 6.85 105% 10 11.72 11.03 16 26
12 Charter One Financial, Cleveland, OH CF 3 31,819 2,398 103.6% 7.54 51% 15 11.89 12.31 11 26
13 MAF Bancorp, Clarendon Hills, IL MAFB 18 4,658 353 104.1% 7.58 41% 18 13.40 13.95 8 26
14 Roslyn Bancorp, Roslyn, NY RSLN 14 7,725 638 113.3% 8.25 156% 6 7.06 8.00 22 28
15 Dime Bancorp, New York, NY DME 5 23,921 1,516 87.1% 6.34 48% 16 13.93 12.13 12 28
16 BankUnited Financial Corp., Coral Gables, FL BKUNA 23 4,078 190 64.0% 4.66 175% 5 3.76 2.41 25 30
17 Golden West Financial Corp., Oakland, CA GDW 2 42,142 3,195 104.1% 7.58 36% 21 12.80 13.33 9 30
18 Webster Financial Corp., Waterbury, CT WBST 11 9,932 636 87.9% 6.40 89% 13 11.95 10.50 18 31
19 Bank United Corp., Houston, TX BNKU 7 16,245 753 63.7% 4.64 42% 17 17.35 11.06 15 32
20 People's Bank, Bridgeport, CT PBCT 10 10,738 782 100.0% 7.28 26% 23 13.20 13.20 10 33
21 Astoria Financial Corp., Lake Success, NY ASFC 6 22,697 1,197 72.4% 5.27 103% 11 9.14 6.61 24 35
22 BankAtlantic Bancorp, Fort Lauderdale, FL BBX 22 4,160 236 77.9% 5.67 60% 14 10.14 7.90 23 37
23 Downey Financial Corp., Newport Beach, CA DSL 12 9,408 532 77.7% 5.66 36% 20 10.45 8.13 21 41
24 FirstFed Financial Corp., Santa Monica, CA FED 24 3,857 231 82.3% 5.99 19% 24 10.97 9.02 19 43
25 Westcorp, Irvine, CA WES 19 4,499 353 107.7% 7.84 11% 25 8.14 8.77 20 45

Notes: In the case of tied scores, companies with higher equity growth were ranked higher.
Source: Raw data provided by SNL Securities LLC, Charlottesville, VA. Calculations and ranking by U.S. Banker.

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