The Top 100 Most Profitable Large Community Banks

+++ Based on the return on average assets for 1996. The banks are listed geographically by state, and have been ranked by their return on average assets, return on average equity, efficiency ratio, and revenue per employee. (dollar amounts in thousands)

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 large community bank is defined as a FDIC-insured commercial bank that accepts deposits and makes loans; has assets between $50 million and $1 billion on Dec. 31, 1996; and is independently owned or owned by a holding company whose consolidated total assets are $1 billion or less on Dec. 31, 1996. To be include herein, a bank must have been profitable in each of the last three years 1994-1996. Returns on average assets and average equity are net income divided by average assets and average equity capital respectively.The efficiency ratio is calculated by dividing Total Non- Interest Expense by the sum of Net Interest Income plus Total Non-Interest Income.Nonperforming assets as a percentage of total assets ratio is the nonperforming loans, leases and other earning assets divided by total assets. Nonperforming assets are loans, leases, and earning assets that are past due plus those currently reflecting a nonaccrual basis.Past due assets have not paid interest and or principal due for 90 days or more and upon which the bank continues to acrue interest. Nonaccrual assets are the principal and or interest that has been in default for a period of 90 days or more unless the obligation is both well secured and in the process of collection. Compiled by American Banker, 1997 ===

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