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EXHIBIT 21
CHARTER ONE FINANCIAL, INC.
SUBSIDIARIES OF THE REGISTRANT
AT DECEMBER 31, 2003
JURISDICTION OF PERCENT OF
INCORPORATION OWNERSHIP
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CHARTER LENDING LLC................................................... Michigan .5%
CHARTER ONE BANK, N.A................................................. United States 100%
CHARTER ONE REINSURANCE, INC.......................................... Vermont 100%
FIRSTFED OF MICHIGAN INTERNATIONAL N.V................................ Netherland Antilles 100%
LIBERTY LINCOLN SERVICE CORP. II...................................... Illinois 100%
LIBERTY TITLE AGENCY.................................................. Illinois 100%
PROPERTY SOLUTIONS NETWORK, INC. ..................................... Illinois 50%
SOUTHWEST DEVELOPMENT CORPORATION .................................... Illinois 100%
ST. PAUL FINANCIAL DEVELOPMENT CORPORATION............................ Illinois 100%
WS, INC............................................................... Nevada 100%
SUBSIDIARIES OF LIBERTY LINCOLN SERVICE CORP. II
Liberty Indian Creek Club, LLC...................................... Illinois 100%
Liberty Hunters Farm, LLC........................................... Illinois 100%
SUBSIDIARY OF LIBERTY INDIAN CREEK CLUB, LLC
Indian Creek Club Limited Partnership............................... Illinois (1)
SUBSIDIARY OF LIBERTY HUNTERS FARM, LLC
Hunters Farm Limited Partnership.................................... Illinois (1)
SUBSIDIARIES OF CHARTER ONE BANK, N.A.
Charter Lending LLC................................................. Michigan 99.5%
Charter One Community Development Corporation....................... New York 100%
Charter One Securities, Inc......................................... Ohio 100%
First Financial Services and Development Corporation................ Ohio 100%
Preferred Mortgage Associates, Ltd. dba Liberty Home Mortgage....... Illinois 100%
Servco, Inc......................................................... Ohio 100%
Shore Holdings, Inc................................................. New York 100%
Superior West, Inc.................................................. Nevada 100%
1215 Financial Center Associates Ltd................................ Ohio 99%
SUBSIDIARY OF CHARTER ONE COMMUNITY DEVELOPMENT CORPORATION
Charter One Development Enterprises LLC............................. Ohio 100%
SUBSIDIARIES OF FIRST FINANCIAL SERVICES AND
DEVELOPMENT CORPORATION
Bay Life Insurance Company, Inc. ................................... Arizona 100%
Charter One Auto Finance Corp....................................... New York 100%
Charter One Insurance Agency, Inc................................... Ohio 100%
Charter One Mortgage Corp........................................... New York 100%
Charter One Vendor Finance LLC...................................... Illinois 100%
ICX Corporation .................................................... Ohio 100%
Real Estate Appraisal Services, Inc. ............................... Ohio 100%
SUBSIDIARIES OF SERVCO, INC.
1001 Services, Inc.................................................. Michigan 100%
JURISDICTION OF PERCENT OF
INCORPORATION OWNERSHIP
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SUBSIDIARY OF SUPERIOR WEST INC.
Warm Springs Investments, Inc....................................... Nevada 100%
SUBSIDIARIES OF CHARTER ONE MORTGAGE CORP.
Craft Mortgage, LLC................................................. North Carolina 50.1%
Charter One Mortgage of Williamsburg, LLC........................... Virginia 50.1%
Charter One/Whittaker Mortgage, LLC................................. Missouri 50.1%
Charter One/PHCC, LLC............................................... North Carolina 50.1%
First Chesapeake Mortgage, LLC...................................... North Carolina 50.1%
Yilite Mortgage, LLC................................................ North Carolina 50.1%
Charter One Mortgage of Dayton, LLC................................. Ohio 50.1%
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(1) The Registrant is a limited partner in this Limited Partnership; however,
no specific percent of ownership is stated in the Limited Partnership
Agreement. The Registrant currently receives a preferred payout on its
outstanding capital contribution in the Limited Partnership.