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part 1 of 2
Return
ROA On Avg. ROE
Rank Assets % Rank
1996 Name of Bank City 1996 1996
CALIFORNIA
82 Citizens T&LA Irvine 2.48 51
69 Finance & Thrift Co Porterville 2.64 92
48 Bank of Stockton Stockton 2.95 58
19 Pacific T&LC Woodland Hills 4.33 11
COLORADO
33 Bestbank Boulder 3.3 10
54 First Community Ind Bk Denver 2.82 67
65 Colorado St Bk Denver 2.67 95
99 First United Bk Parker 2.4 66
98 First NB of Colorado Steamboat Spring 2.4 30
CONNECTICUT
35 Bank of New Haven New Haven 3.17 8
DELAWARE
17 Whirlpool Financial NB New Castle 4.35 13
23 Cross Country Bk New Castle 3.84 23
61 Travelers Bk Newark 2.7 89
FLORIDA
39 Kislak NB North Miami 3.12 98
51 First Central Bk St Petersburg 2.87 79
GEORGIA
46 Southland BK Butler 3.02 52
56 First South Bk NA Macon 2.74 43
2 First North American NB Marietta 18.2 18
IOWA
8 Dial NB Des Moines 6.84 16
100 West Des Moines State Bank Des Moines 2.4 64
ILLINOIS
72 Cosmopolitan B&T Chicago 2.62 49
16 National Bk Great Lakes Hillside 4.49 76
25 First Bk of Oak Park Oak Park 3.68 20
64 First B&TC of Illinois Palatine 2.68 34
52 NBD Skokie Bk NA Skokie 2.84 45
INDIANA
55 Bank One Merrillville NA Gary 2.75 46
14 Bank One-Lafayette NA Lafayette 4.91 7
89 Union B&TC North Vernon 2.45 72
84 Pike County Bk Petersburg 2.47 57
KANSAS
47 Army NB-Ft Leavenworth Fort Leavenworth 2.97 26
34 Security Bk of KC Kansas City 3.27 40
KENTUCKY
29 Kentucky Farmers Bk Catlettsburg 3.44 94
22 Vine Street TC Lexington 3.94 6
83 Community First Bk of KY Warsaw 2.48 62
LOUISIANA
24 Tri-State Bk&Tr Haughton 3.82 96
MASSACHUSSETS
18 Putnam Fiduciary TC Boston 4.35 55
70 Foxborough Svgs Bk Foxboro 2.63 73
45 Institution For Svgs Newburyport 3.04 86
MARYLAND
21 Suburban Bk of MD Greenbelt 4.06 12
79 First NB of St Marys Leonardtown 2.51 75
MAINE
43 Coastal Svgs Bk Westbrook 3.06 33
MICHIGAN
36 First NB of Michigan East Lansing 3.17 28
MINNESOTA
13 Northern NB Nisswa 5.06 17
MISSOURI
62 Mercantile Bk Doniphan Doniphan 2.7 21
80 First Sun BK of America Ellington 2.5 42
38 First Bk of Missouri Gladstone 3.13 27
11 Mercantile BK S Central MO Springfield 5.8 2
76 First St Bk St Charles 2.54 87
10 Mercantile Bk Central MO Washington 6.54 1
MISSISSIPPI
71 Omnibank Mantee 2.63 15
MONTANA
41 Yellowstone Bk Laurel 3.08 71
85 First Security Bk Missoula Missoula 2.47 44
NORTH CAROLINA
66 Bank of Granite Granite Falls 2.67 85
NORTH DAKOTA
57 Colorado Community First St Fargo 2.73 54
NEW JERSEY
67 National Bk of Sussex Cty Branchville 2.66 31
NEW YORK
27 Toyo TC NY New York City 3.63 78
49 Fiduciary TC Intl New York City 2.95 88
90 Bessemer Trust Co NA New York City 2.44 99
94 Nippon Credit TC New York City 2.42 100
OHIO
28 Commerce Exchange Bk Beachwood 3.61 24
20 World Financial Network NB Whitehall 4.32 77
OKLAHOMA
95 First B&TC Broken Bow 2.41 48
44 Fort Sill NB Fort Sill 3.06 63
59 Northwest Bk Oklahoma City 2.71 50
91 Bank of Union Union City 2.44 91
OREGON
3 First Consumers NB Beaverton 9.26 14
50 Pioneer Tr Bk NA Salem 2.94 80
PENNSYLVANIA
37 East Prospect St Bk East Prospect 3.16 84
53 Royal Bk of Pennsylvania King of Prussia 2.83 83
86 First Lehigh Bk Walnutport 2.47 56
SOUTH DAKOTA
30 Bank of Hoven Hoven 3.4 90
5 Retailers NB Sioux Falls 8.59 3
6 Dial Bk Sioux Falls 8.26 22
9 First Premier Bk Sioux Falls 6.73 38
42 Bankfirst NA Sioux Falls 3.07 59
75 First NB South Dakota Yankton 2.55 35
TENNESSEE
92 Citizens Bk Carthage 2.43 93
88 First Citizens Bk Hohenwald Hohenwald 2.46 41
1 EFS NB Memphis 19.31 25
87 Nashville Bk of Commerce Nashville 2.47 32
TEXAS
81 First Coleman NB Coleman 2.49 60
93 First Commerce Bk Corpus Christi 2.43 65
58 Oaks B&TC Dallas 2.73 36
60 First Texas Bk Dallas 2.71 70
26 U.S. NB of Galveston Galveston 3.68 9
40 Madisonville St Bk Madisonville 3.09 39
77 Western NB Odessa 2.53 81
96 Orange Bk Orange 2.41 47
63 First St Bk Temple 2.7 37
UTAH
73 Barnes Bkg Co Kaysville 2.57 82
97 Far West Bk Provo 2.41 68
7 GE Capital Fncl Salt Lake City 8.09 29
31 Brighton Bk Salt Lake City 3.37 61
32 Guardian St Bk Salt Lake City 3.37 97
78 Sun Capital Bk St George 2.52 53
WASHINGTON
15 US Svgs Bk of Washington Bellingham 4.85 19
68 City Bk Lynnwood 2.66 74
WISCONSIN
74 Bank of Alma Alma 2.57 69
12 Firstar TC Milwaukee 5.36 5
WEST VIRGINIA
4 First NB of Keystone Keystone 8.96 4
part 2 of 2
EfficienRevenue
ROA Ratio Per Employee
Rank Rank Rank
1996 Name of Bank 1996 1996
CALIFORNIA
82 Citizens T&LA 84 80
69 Finance & Thrift Co 74 88
48 Bank of Stockton 85 66
19 Pacific T&LC 94 95
COLORADO
33 Bestbank 82 20
54 First Community Ind Bk 14 45
65 Colorado St Bk 73 74
99 First United Bk 69 97
98 First NB of Colorado 45 52
CONNECTICUT
35 Bank of New Haven 90 81
DELAWARE
17 Whirlpool Financial NB 27 2
23 Cross Country Bk 92 87
61 Travelers Bk 61 17
FLORIDA
39 Kislak NB 70 15
51 First Central Bk 22 22
GEORGIA
46 Southland BK 67 68
56 First South Bk NA 80 84
2 First North American NB 81 8
IOWA
8 Dial NB 2 10
100 West Des Moines State Bank 7 26
ILLINOIS
72 Cosmopolitan B&T 38 30
16 National Bk Great Lakes 16 3
25 First Bk of Oak Park 60 72
64 First B&TC of Illinois 5 11
52 NBD Skokie Bk NA 32 7
INDIANA
55 Bank One Merrillville NA 49 23
14 Bank One-Lafayette NA 21 21
89 Union B&TC 15 63
84 Pike County Bk 31 59
KANSAS
47 Army NB-Ft Leavenworth 35 78
34 Security Bk of KC 37 58
KENTUCKY
29 Kentucky Farmers Bk 24 49
22 Vine Street TC 26 16
83 Community First Bk of KY 25 76
LOUISIANA
24 Tri-State Bk&Tr 20 24
MASSACHUSSETS
18 Putnam Fiduciary TC 100 91
70 Foxborough Svgs Bk 51 40
45 Institution For Svgs 50 34
MARYLAND
21 Suburban Bk of MD 66 53
79 First NB of St Marys 17 56
MAINE
43 Coastal Svgs Bk 86 82
MICHIGAN
36 First NB of Michigan 8 25
MINNESOTA
13 Northern NB 65 79
MISSOURI
62 Mercantile Bk Doniphan 43 71
80 First Sun BK of America 64 100
38 First Bk of Missouri 63 90
11 Mercantile BK S Central MO 62 77
76 First St Bk 41 50
10 Mercantile Bk Central MO 55 67
MISSISSIPPI
71 Omnibank 77 96
MONTANA
41 Yellowstone Bk 56 48
85 First Security Bk Missoula 39 62
NORTH CAROLINA
66 Bank of Granite 9 41
NORTH DAKOTA
57 Colorado Community First St 78 75
NEW JERSEY
67 National Bk of Sussex Cty 93 89
NEW YORK
27 Toyo TC NY 4 6
49 Fiduciary TC Intl 33 14
90 Bessemer Trust Co NA 96 18
94 Nippon Credit TC 99 37
OHIO
28 Commerce Exchange Bk 91 85
20 World Financial Network NB 98 93
OKLAHOMA
95 First B&TC 40 83
44 Fort Sill NB 76 98
59 Northwest Bk 30 65
91 Bank of Union 12 54
OREGON
3 First Consumers NB 83 99
50 Pioneer Tr Bk NA 13 43
PENNSYLVANIA
37 East Prospect St Bk 46 32
53 Royal Bk of Pennsylvania 71 29
86 First Lehigh Bk 87 60
SOUTH DAKOTA
30 Bank of Hoven 54 19
5 Retailers NB 36 5
6 Dial Bk 47 9
9 First Premier Bk 48 39
42 Bankfirst NA 95 73
75 First NB South Dakota 97 12
TENNESSEE
92 Citizens Bk 6 36
88 First Citizens Bk Hohenwald 23 51
1 EFS NB 89 13
87 Nashville Bk of Commerce 19 33
TEXAS
81 First Coleman NB 34 61
93 First Commerce Bk 68 47
58 Oaks B&TC 44 35
60 First Texas Bk 52 46
26 U.S. NB of Galveston 57 38
40 Madisonville St Bk 10 27
77 Western NB 42 70
96 Orange Bk 53 92
63 First St Bk 58 64
UTAH
73 Barnes Bkg Co 18 55
97 Far West Bk 75 94
7 GE Capital Fncl 29 42
31 Brighton Bk 72 44
32 Guardian St Bk 79 86
78 Sun Capital Bk 59 69
WASHINGTON
15 US Svgs Bk of Washington 11 1
68 City Bk 28 31
WISCONSIN
74 Bank of Alma 3 28
12 Firstar TC 88 57
WEST VIRGINIA
4 First NB of Keystone 1 4
Source: Sheshunoff Information Services, Inc., Austin, TX. Notes: A