+++
prt 1 of
ROA
Rank
1996 Name of Bank City
1 Green Mountain Bk Rutland
2 American General Fncl Cntr Midvale
3 First Interstate Central Bk Calabasas
4 Avco Armed Forces Ind Bk Aurora
5 Nordstrom Nat Crdt Bk Englewood
6 Reading St Bk Reading
7 Commerce Bk of Omaha NA Omaha
8 Franklin T&LA Orange
9 Rancho Santa Fe T&LA San Marcos
10 Avery County Bk Newland
11 First St Bk Grandview
12 Rittenhouse TC Radnor
13 Citizens St Bk Princeton
14 First St Bk Keene
15 State Bk of Wiley Wiley
16 First NB of McIntosh McIntosh
17 Wilmot St Bk Wilmot
18 Security St Bk Oklee
19 Farmers & Merchants Bk Maysville
20 Centennial T&LA Fountain Valley
21 First St Bk Dime Box
22 Security Bk of SW MO Cassville
23 Northern St Bk Gonvick
24 Martell St Bk Martell
25 Uinta County St Bk Mountain View
26 United States NB Red Lodge
27 Bank of Salem Salem
28 Home Loan Ind Bk Grand Junction
29 First St Bk Idaho Springs
30 Union B&TC Minneapolis
31 Marshall County St Bk Newfolden
32 Bank of Hazlehurst Hazlehurst
33 State Bk of Downs Downs
34 American NB Parma
35 Citizens B&TC Springhill
36 Lakeside Bk of Salina Salina
37 Valley Community Bk McMinnville
38 Bank of Huntland Huntland
39 Farmers & Merchants St Bk Cawker City
40 Peoples St Bk Cherryvale
41 Bank of Commerce Chouteau
42 White Rock St Bk White Rock
43 Commercial Bk of Leadville Leadville
44 Bank of Locust Grove Locust Grove
45 First NB of Morgan Morgan
46 First Bk of Anna LBA Anna
47 Bank of New Castle New Castle
48 First Bk Centre Osage Beach
49 Liberty Fin Corp Salt Lake City
50 Peoples B&TC-Pointe Coupee New Roads
51 Community First Bk NA Ripley
52 Bank of Perry Cty Lobelville
53 Citizens NB Teague
54 First St Bk Silverton
55 Bank Atlanta Decatur
56 Flathead Bk of Bigfork Bigfork
57 Citizens NB Houston
58 First St Bk Danville
59 Orem Community Bk Orem
60 Citadel Bk Colorado Springs
61 Randall St Bk Randall
62 Security St Bk Wellington
63 Valley Bk of Belgrade Belgrade
64 Perry County Bk New Augusta
65 Anadarko B&TC Anadarko
66 Bonneville Bk Provo
67 Wayne NB Jesup
68 First NB of Olney Olney
69 First Security Bk-Craig Craig
70 Bank of Leeton Leeton
71 Home St Bk Louisville
72 Alabama Exchange Bk Tuskegee
73 Cityside Svg & Fncl Svc Co Edina
74 First Bk of Deer Park Deer Park
75 American NB of Rock Springs Rock Springs
76 Bank of Morgan Cty Madison
77 State Bk New Prague
78 Avco NB Costa Mesa
79 Old Line NB Waldorf
80 Miners St Bk of Frontenac Frontenac
81 State Bk of McGregor McGregor
82 First NB Glen Rose
83 La Farge St Bk La Farge
84 Butler Bk a Co-Op Bk Lowell
85 Fentress County Bk Jamestown
86 First St Bk of Hotchkiss Hotchkiss
87 Prime Bk Orange
88 Central St Bk State Center
89 State Bk of Riverdale Riverdale
90 First NB of Eden Eden
91 First St Bk of Colfax Colfax
92 Farmers Exchange Bk Antlers
93 Solon St Bk Solon
94 Farmers Bk Minnesota Lake
95 First St Bk Valliant
96 Peoples Bk Westville
97 Deposit Bk Carlisle
98 Security St Bk Howard Lake
99 Park St Bk Nicoma Park
100 Winkler County St Bk Wink
Mean Values for Top 100 Small Community Ban 2.78
Median Values for Top 100 Small Community B 2.41
Mean Values for all banks within the asset 0.9
part 2 of 4
Return Return Return Return
ROA On Avg. On Avg. On Avg. On Avg.
Rank Assets %Assets %Equity %Equity %Efficiency
1996 Name of State 1996 1995 1996 1995 1996
1 Green MoVT 10.42 2.35 48.25 23.92 29.37
2 AmericanUT 8.63 10.64 15.89 21.78 93.82
3 First InCA 6.87 4.18 10.94 9.31 33.88
4 Avco ArmCO 5.84 7.57 13.75 25.54 42.35
5 NordstroCO 4.8 5.24 17.11 16.94 95.18
6 Reading KS 4.77 0.4 23.16 2.62 68.42
7 CommerceNE 4.35 4.42 5.45 5.94 90.34
8 FranklinCA 3.91 4.9 20.27 31.83 49.27
9 Rancho SCA 3.52 3.08 17.97 15.89 43.13
10 Avery CoNC 3.31 3.56 12.35 13.64 22.88
11 First StTX 3.29 2.47 30.3 29.48 62.2
12 RittenhoPA 3.28 2.52 14.86 12.57 71.01
13 CitizensTX 3.25 1.69 38.31 21.97 52.19
14 First StTX 3.22 3.35 30.84 35.01 47.73
15 State BkCO 3.18 2.73 14.27 12 27.73
16 First NBMN 3.17 1.79 12.19 7.29 25.49
17 Wilmot SSD 3.09 2.71 27.75 26.88 42.43
18 SecurityMN 3.06 1.76 13.84 8.42 26.22
19 Farmers OK 3 1.07 27.52 14.49 42.7
20 CentenniCA 2.94 2.84 32.86 36.55 50.27
21 First StTX 2.9 3.54 16.33 20.53 37.39
22 SecurityMO 2.88 2.41 29.05 26.89 34.56
23 NorthernMN 2.86 1.73 12.62 8.14 25.58
24 Martell NE 2.85 2.38 23.01 20.76 49.57
25 Uinta CoWY 2.81 2.92 5.55 6.35 49.75
26 United SMT 2.78 1.99 34.31 25.35 41.26
27 Bank of OR 2.78 3.08 15.46 16.99 24.05
28 Home LoaCO 2.76 2.82 13.81 12.65 42.72
29 First StCO 2.72 2.53 30.03 30.48 54.59
30 Union B&MN 2.69 2.37 26.22 23.64 60.95
31 MarshallMN 2.66 1.7 11.19 7.66 29.59
32 Bank of GA 2.64 2.49 34.1 32.99 46.17
33 State BkKS 2.62 2.03 15.99 13.85 36.62
34 AmericanOH 2.59 3.75 17.36 31.42 61.34
35 CitizensLA 2.56 1.01 24.48 9.86 56.37
36 LakesideOK 2.53 2.63 22.79 24 38.83
37 Valley COR 2.53 2.33 22.08 21.61 42.84
38 Bank of TN 2.5 3.13 21.58 27.75 48.82
39 Farmers KS 2.49 2.38 30.04 28.32 57.58
40 Peoples KS 2.48 2.14 13.61 13.54 42.01
41 Bank of OK 2.48 2.3 31.99 30.36 50.03
42 White RoMN 2.47 0.97 28.73 12 61.73
43 CommerciCO 2.46 2.29 26.2 26.3 46.53
44 Bank of OK 2.46 2.79 20.55 23.91 47.16
45 First NBUT 2.46 2.4 14.95 14.58 44.85
46 First BkTX 2.44 2.55 32.56 36.18 60.46
47 Bank of DE 2.43 3.32 2.58 3.53 30.42
48 First BkMO 2.43 0.12 32.53 1.46 53.63
49 Liberty UT 2.43 2.38 4.48 4.36 61.29
50 Peoples LA 2.41 2.66 17.54 21.31 50.38
51 CommunitOH 2.41 2.26 26.68 25.95 45.01
52 Bank of TN 2.41 1.78 19.9 15.94 30.35
53 CitizensTX 2.41 1.59 28.4 21.23 48.91
54 First StTX 2.4 2.12 20.76 14.11 52.36
55 Bank AtlGA 2.38 2.33 25.14 28.23 58.98
56 FlatheadMT 2.38 2.04 28.23 24.65 47.76
57 CitizensTX 2.38 3.32 29.27 40.34 61.29
58 First StVA 2.38 2.3 11.2 11.11 48.41
59 Orem ComUT 2.34 2.48 16.01 15.22 48.85
60 Citadel CO 2.32 2.11 23.15 25.41 58.81
61 Randall MN 2.32 1.9 26.47 22.41 35.07
62 SecurityKS 2.31 1.2 15.02 7.51 63.03
63 Valley BMT 2.3 2.14 30.73 26.83 52.2
64 Perry CoMS 2.29 2.19 15.46 15.36 42.95
65 AnadarkoOK 2.28 2.15 17.03 16.63 46.14
66 BonnevilUT 2.28 1.98 19.23 18.23 57.5
67 Wayne NBGA 2.27 1.59 21.86 16.21 48.28
68 First NBTX 2.27 2.64 24.29 30.74 37.41
69 First SeCO 2.26 2.01 27.84 23.85 48.68
70 Bank of MO 2.26 1.48 5.68 3.89 61.26
71 Home St NE 2.26 2.37 22.28 22.66 33.05
72 Alabama AL 2.25 1.95 23.87 20.28 51.99
73 CitysideMN 2.25 2.37 21.31 23.97 57.53
74 First BkTX 2.24 1.84 18.73 14.94 49.25
75 AmericanWY 2.24 1.93 17.62 16.38 45.74
76 Bank of GA 2.21 2.41 15.92 17.99 44.97
77 State BkMN 2.21 1.54 23.71 18.2 51.71
78 Avco NB CA 2.2 2.22 2.37 2.37 15.38
79 Old LineMD 2.2 1.21 20.51 10.35 90.75
80 Miners SKS 2.19 2.01 7.91 7.74 31.69
81 State BkMN 2.19 1.62 24.03 17.1 44.47
82 First NBTX 2.19 1.92 23.78 21.25 54.61
83 La FargeWI 2.19 2.28 14.01 15.27 31.08
84 Butler BMA 2.18 2.65 17.78 22.06 42.29
85 FentressTN 2.18 2 26.78 24.79 51.29
86 First StCO 2.17 2.75 25.25 33.53 53.89
87 Prime BkCT 2.17 1.15 14.13 8.31 64.72
88 Central IA 2.17 1.75 13.92 11.34 35.26
89 State BkNE 2.17 1.98 7.55 7.01 33.72
90 First NBSD 2.16 2.35 17.52 19.15 45.41
91 First StIA 2.15 2.07 24.71 22.17 37.74
92 Farmers OK 2.15 1.34 20.97 14.41 47.44
93 Solon StIA 2.14 1.74 9.37 7.9 45.44
94 Farmers MN 2.14 1.26 21.7 12.56 48.79
95 First StOK 2.14 1.43 13.2 8.78 52.92
96 Peoples OK 2.13 1.6 17.54 14.42 45.37
97 Deposit KY 2.12 2.13 15.51 16.17 36.64
98 SecurityMN 2.12 1.28 20.47 12.33 40.52
99 Park St OK 2.12 2.03 9.77 9.66 53.98
100 Winkler TX 2.12 1.73 29.88 20.08 50.23
Mean Val 2.39 20.34 18.26 47.85 52.25 28,793
Median V 2.24 20.49 17.05 47.74 50.98 29,415
Mean Val 1.04 9.37 10.09 73.37 79.52 28,363
part 3 of 4
Annual Nonperf.
ROA Total Asset Assets as a
Rank Assets Gr. Rate% of TotNet Income
1996 Name of 199512/31/9612/94 - Assets 1996 1995
1 Green Mo 58.13$28,523 -86.9 0.63$11,806 $5,358
2 American 91.52 17,606 -21.11 1.07 1,706 2,406
3 First In 61.72 8,329 -14.97 0 515 313
4 Avco Arm 30.1 5,232 -6.34 0 270 411
5 Nordstro 95.43 24,012 -14.33 0 1,297 1,415
6 Reading 89.67 3,735 -4.11 0 189 16
7 Commerce 91.01 3,989 22.55 0.6 177 183
8 Franklin 46.45 11,763 3.93 1.61 430 521
9 Rancho S 48.12 37,884 31.91 1.85 1,234 922
10 Avery Co 23.21 49,623 8.84 0.05 1,576 1,624
11 First St 67.3 19,293 8.47 0.48 601 439
12 Rittenho 72.56 38,538 26.24 0 1,006 742
13 Citizens 68.7 25,008 30.26 0 682 414
14 First St 44.57 39,904 24.99 0.59 1,186 1,126
15 State Bk 33.19 43,380 32.32 0.77 1,269 936
16 First NB 39.94 21,139 10.63 1.22 667 357
17 Wilmot S 52.14 18,339 5.68 0.85 547 461
18 Security 38.92 22,411 12.02 0.27 672 361
19 Farmers 63.26 17,688 -57.14 2.52 845 448
20 Centenni 66.97 26,695 107.05 0.9 596 404
21 First St 34.94 23,535 20.02 0.47 648 724
22 Security 40.22 35,078 19.77 0.34 969 742
23 Northern 36.73 33,312 16.57 0.85 896 512
24 Martell 54.54 35,175 22.23 0.17 948 706
25 Uinta Co 43.1 6,543 -0.89 0 185 197
26 United S 50.83 34,529 23.87 0 862 569
27 Bank of 21.66 47,470 30.19 0 1,261 1,174
28 Home Loa 42.84 9,222 18.76 1.64 253 222
29 First St 55.56 16,315 -8.05 0.01 457 440
30 Union B& 63.72 45,952 42.17 0.55 1,072 812
31 Marshall 38.21 15,657 5.94 2.91 421 257
32 Bank of 45.73 49,072 21.36 1.88 1,218 1,092
33 State Bk 41.56 36,833 9.59 0 949 707
34 American 57.66 28,990 -0.04 1.67 781 1,105
35 Citizens 66.03 49,802 16.61 0.25 1,224 443
36 Lakeside 41.18 20,552 15.65 0.34 513 487
37 Valley C 47.6 32,447 30.22 0.59 757 614
38 Bank of 51.96 22,362 26 0.84 522 576
39 Farmers 58.95 6,381 26.58 0.44 152 133
40 Peoples 48.85 13,628 -0.15 0.06 333 287
41 Bank of 51.86 22,771 18.52 0.2 539 459
42 White Ro 74.39 48,233 177.74 0.3 762 177
43 Commerci 45.08 29,839 18.32 0 708 606
44 Bank of 45.46 21,987 1.64 1.06 537 590
45 First NB 43.87 32,837 21.09 0.6 735 664
46 First Bk 59.3 36,833 11.48 0.25 833 849
47 Bank of 15.2 13,282 6 0.17 320 424
48 First Bk 97.57 26,534 35.24 0.31 617 25
49 Liberty 71.49 3,740 8.41 2.57 90 83
50 Peoples 48.56 39,422 14.19 1.12 908 928
51 Communit 47.89 27,269 6.5 2.01 639 578
52 Bank of 35.09 49,455 24.53 0.1 1,110 742
53 Citizens 58.52 26,115 8.26 0.03 623 375
54 First St 44.17 19,080 -24.38 3.96 487 491
55 Bank Atl 61.13 46,544 32.85 1.05 1,035 864
56 Flathead 48.97 49,886 21.42 1.46 1,171 897
57 Citizens 57.34 47,794 9.08 1.48 1,161 1,500
58 First St 48.72 35,199 10.48 0.12 822 746
59 Orem Com 45.77 21,605 77.59 0.06 525 422
60 Citadel 66.78 32,111 2.66 0.1 740 651
61 Randall 40.97$15,246 17.06 0.54 $344 $263
62 Security 67.26 40,106 26.14 1.63 831 397
63 Valley B 50.96 33,742 19.52 0.04 726 609
64 Perry Co 43.3 39,140 19.89 3.01 863 747
65 Anadarko 46.68 38,446 -3.68 1.06 878 836
66 Bonnevil 64.14 21,219 8.04 1.05 507 407
67 Wayne NB 60.82 42,840 29.04 0 820 497
68 First NB 37.78 34,410 5.1 0.93 749 843
69 First Se 54.47 44,389 41.55 0.39 904 679
70 Bank of 66.57 4,863 -0.18 0.35 108 71
71 Home St 34.44 35,443 27.49 0.25 754 695
72 Alabama 54.25 44,138 -0.14 0.86 982 845
73 Cityside 60.35 39,790 13.13 3.91 863 907
74 First Bk 57.66 33,449 7.59 0.01 695 546
75 American 52.33 42,400 -0.65 0.34 933 777
76 Bank of 45.84 38,161 6.56 0 859 846
77 State Bk 56.12 44,175 3.33 0.69 956 665
78 Avco NB 16.67 1,942 7.35 0 42 41
79 Old Line 80.78 37,454 54.69 0.03 724 326
80 Miners S 33.55 33,019 2.93 0.27 717 655
81 State Bk 54.3 22,979 14.85 1.16 487 329
82 First NB 57.7 27,882 11.43 0.39 576 476
83 La Farge 32.82 25,918 17.42 0.69 564 530
84 Butler B 40.15 36,186 39.76 1.01 748 755
85 Fentress 52.6 42,164 18.03 0.09 878 737
86 First St 47.4 25,808 10.03 1.25 550 668
87 Prime Bk 70.31 27,447 7.02 0.35 582 301
88 Central 42.81 34,857 7.98 0.02 732 570
89 State Bk 42.17 23,524 6 0 505 440
90 First NB 44.64 9,509 1.01 2.02 204 216
91 First St 34.84 33,451 6.35 0.26 694 631
92 Farmers 59.84 20,251 17.45 0.22 419 239
93 Solon St 52.81 34,463 10.81 0.24 712 559
94 Farmers 61.03 14,062 8.49 0.05 287 161
95 First St 65.42 27,019 6.58 0.08 591 381
96 Peoples 54.86 27,464 4.32 0 576 420
97 Deposit 37.55 42,887 17.2 0.26 874 810
98 Security 57.01 30,896 14.72 0.54 643 358
99 Park St 51 38,219 3.95 0.14 812 770
100 Winkler 49.17 13,460 41.27 1.92 294 189
Mean Val 14.87 0.69 820 639 21 22
Median V 11.46 0.35 715 564 15 14
Mean Val 15.88 0.66 282 300 14 14
part 4 of 4
Number of Revenue
ROA Full-time Per
Rank Employees Employee
1996 Name of 1996 1995 1996 1995
1 Green Mo 50 109$24,729 $19,752
2 American 73 108 42,917 51,151
3 First In 6 6 1,390 1,267
4 Avco Arm 4 4 739 1,010
5 Nordstro 481 467 49,768 48,253
6 Reading 3 3 228 184
7 Commerce 74 74 4,152 3,961
8 Franklin 4 5 1,516 1,395
9 Rancho S 30 26 4,602 3,755
10 Avery Co 13 13 3,470 3,546
11 First St 10 10 1,000 1,101
12 Rittenho 10 9 5,574 4,024
13 Citizens 15 13 1,556 1,080
14 First St 22 18 3,759 3,410
15 State Bk 13 12 2,694 2,305
16 First NB 8 8 1,475 999
17 Wilmot S 9 10 1,228 1,191
18 Security 7 7 1,518 984
19 Farmers 8 30 2,513 1,889
20 Centenni 10 8 2,234 1,629
21 First St 9 9 1,578 1,697
22 Security 18 18 2,341 2,163
23 Northern 11 11 2,084 1,451
24 Martell 20 19 2,919 2,444
25 Uinta Co 7 7 394 413
26 United S 15 15 2,477 1,928
27 Bank of 12 8 2,757 2,512
28 Home Loa 3 3 728 754
29 First St 12 14 1,590 1,546
30 Union B& 38 31 4,753 3,881
31 Marshall 7 8 1,078 780
32 Bank of 28 29 3,823 3,669
33 State Bk 11 12 2,081 1,925
34 American 19 22 2,768 2,931
35 Citizens 30 30 2,950 2,287
36 Lakeside 11 11 1,455 1,401
37 Valley C 15 14 2,094 1,813
38 Bank of 11 10 1,606 1,584
39 Farmers 4 3 389 324
40 Peoples 7 7 976 915
41 Bank of 19 18 1,857 1,664
42 White Ro 26 14 2,775 1,152
43 Commerci 16 13 2,132 1,797
44 Bank of 21 22 1,970 2,004
45 First NB 11 11 2,096 1,885
46 First Bk 19 18 2,109 1,963
47 Bank of 0 0 848 888
48 First Bk 16 16 1,337 1,151
49 Liberty 5 5 434 442
50 Peoples 20 20 2,656 2,665
51 Communit 16 15 1,764 1,683
52 Bank of 14 14 2,745 2,354
53 Citizens 15 15 1,979 1,367
54 First St 12 10 1,125 1,381
55 Bank Atl 25 20 2,857 2,542
56 Flathead 29 30 3,130 2,973
57 Citizens 37 38 5,802 5,579
58 First St 22 20 2,258 2,188
59 Orem Com 21 16 1,920 1,418
60 Citadel 25 27 2,792 2,625
61 Randall 6 6 $901 $759
62 Security 16 16 1,915 1,857
63 Valley B 20 19 2,109 1,980
64 Perry Co 20 20 2,496 2,254
65 Anadarko 20 20 2,501 2,487
66 Bonnevil 11 14 2,012 1,899
67 Wayne NB 18 18 2,593 1,937
68 First NB 15 16 2,184 2,194
69 First Se 23 22 2,845 2,370
70 Bank of 5 5 382 359
71 Home St 10 10 1,855 1,710
72 Alabama 33 34 3,435 3,139
73 Cityside 41 40 4,389 4,310
74 First Bk 19 17 2,075 1,951
75 American 19 19 2,556 2,425
76 Bank of 23 24 2,484 2,413
77 State Bk 19 19 2,806 2,500
78 Avco NB 1 1 78 78
79 Old Line 19 19 1,557 1,483
80 Miners S 9 9 1,685 1,693
81 State Bk 13 13 1,464 1,243
82 First NB 16 15 1,736 1,551
83 La Farge 8 7 1,287 1,237
84 Butler B 12 11 2,426 2,202
85 Fentress 25 24 2,993 2,658
86 First St 18 16 2,030 2,059
87 Prime Bk 8 10 1,471 1,519
88 Central 9 9 1,818 1,551
89 State Bk 7 7 1,293 1,219
90 First NB 4 5 643 672
91 First St 12 10 1,529 1,570
92 Farmers 15 16 1,406 1,113
93 Solon St 11 11 2,095 1,922
94 Farmers 7 7 953 721
95 First St 20 18 2,224 2,036
96 Peoples 17 18 1,814 1,595
97 Deposit 12 12 2,268 2,144
98 Security 12 11 1,794 1,440
99 Park St 25 25 2,675 2,694
100 Winkler 7 7 872 781
Mean Val 3,201 3,008
Median V 2,078 1,835
Mean Val 1,427 1,430
Source: Sheshunoff Information Services, Inc., Austin, TX. Notes: A