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part 1 of 3
ROA
Rank
1997 Name of Bank
1 Guardian State Bank, Salt Lake City
2 Brighton Bank, Salt Lake City
3 First National Bank of Keystone, W. Va.
4 First Bank & Trust Co. of Illinois, Palatine
5 Citizens Thrift & Loan, Irvine, Calif.
6 First Security Bank, Sleepy Eye, Minn.
7 American Bank of Montana, Bozeman
8 City Bank, Lynnwood, Wa.
9 First Credit Bank, Los Angeles
10 Fort Sill National Bank, Fort Sill, Okla.
11 First National Bank of La Grange, Ill.
12 Inwood National Bank of Dallas
13 Madisonville State Bank, Tex.
14 First National Bank of Fabens, Tex.
15 Citizens Bank of Tulsa, Okla.
16 American Bank, Wichita, Kan.
17 AmeriFirst Bank NA, Xenia, Ohio
18 First National Bank of Michigan, East Lansing
19 Pioneer Trust Bank NA, Salem, Ore.
20 Bank Midwest NA, Kansas City, Mo.
21 Germantown Trust & Savings Bank, Ill.
22 City National Bank of Charleston, W. Va.
23 First Bank of Texas, Tomball
24 Citizens National Bank at Brownwood, Tex.
25 Hill Country Bank, Austin, Tex.
26 Peoples Bank & Trust Co., Minden, La.
27 Peoples Bank, Mendenhall, Miss.
28 Barnes Banking Co., Kaysville, Utah
29 Bank of Granite, Granite Falls, N.C.
30 Bank of Alma, Wis.
31 First Bank of Conroe NA, Tex.
32 First Lehigh Bank, Walnutport, Pa.
33 Central Bank, Provo, Utah
34 Western National Bank, Odessa, Tex.
35 Yellowstone Bank, Laurel, Mont.
36 City National Bank of Florida, Miami
37 Skylake State Bank, North Miami Beach, Fla.
38 United National Bank, Miami
39 Jersey Shore State Bank, Jersey Shore, Pa.
40 Vermillion State Bank, Minn.
41 Prime Bank, Philadelphia
42 Metropolitan National Bank, Youngstown, Ohio
43 State Bank of De Kalb, Tex.
44 Far West Bank, Provo, Utah
45 Royal Bank of Pennsylvania, King of Prussia
46 Iowa State Bank, Des Moines
47 First State Bank of Stratford, Tex.
48 Park National Bank, Newark, Ohio
49 First National Bank Albany/Breckenridge, Tex.
50 Colorado State Bank & Trust Co., Denver
Mean Values for Top 50 Large Community Banks
Median Values for Top 50 Large Community Banks
Standard Deviation for Top 50 Large Community Banks
Comparative: Mean Values for all US Banks
Comparative: Mean Values for all US Thrifts
Comparative: Mean Values for Top 75 US Credit Unions
Comparative: Mean Values for all US Credit Unions
part 2 of 3
Return Return
ROA On Avg. On Avg.
Rank Assets Equity
1997 Name of Ban 1997 1996 1997 1996
1 Guardian St 5.11% 3.37% 54.66% 35.83%
2 Brighton Ba 4.71 3.37 36.28 24.81
3 First Natio 3.9 8.09 21.81 66.11
4 First Bank 3.66 2.68 43.61 32.3
5 Citizens Th 3.56 2.48 31.89 26.9
6 First Secur 3.38 2.26 39.15 26.19
7 American Ba 3.29 1.11 46.48 16.16
8 City Bank, 3.14 2.66 19.82 19.2
9 First Credi 3.14 2.06 32.2 21.77
10 Fort Sill N 3.13 3.06 22.51 24.16
11 First Natio 3.1 2.02 31.99 20.46
12 Inwood Nati 3.07 2.3 36.31 27.27
13 Madisonvill 3.04 3.09 30.1 30.61
14 First Natio 3 2.29 35.36 27.73
15 Citizens Ba 2.97 1.57 39.78 23.44
16 American Ba 2.96 1.73 32.53 18.13
17 AmeriFirst 2.95 0.18 37.13 2.29
18 First Natio 2.94 3.17 34.13 35.63
19 Pioneer Tru 2.86 2.94 17.79 17.89
20 Bank Midwes 2.83 2.06 29.7 26.02
21 Germantown 2.83 1.98 18.29 13.15
22 City Nation 2.82 1.39 33.03 18.98
23 First Bank 2.8 1.49 31.25 21.05
24 Citizens Na 2.79 2 26.81 20.63
25 Hill Countr 2.78 2.13 27.62 23.11
26 Peoples Ban 2.77 1.57 28.34 19.89
27 Peoples Ban 2.76 1.55 20.66 11.29
28 Barnes Bank 2.75 2.57 18.56 17.04
29 Bank of Gra 2.73 2.67 15.89 16.56
30 Bank of Alm 2.69 2.57 20.51 20.66
31 First Bank 2.66 1.69 33.52 21.56
32 First Lehig 2.64 2.47 23 25.53
33 Central Ban 2.64 2.4 17.96 17.67
34 Western Nat 2.59 2.53 18.03 17.06
35 Yellowstone 2.58 3.08 15.37 19.98
36 City Nation 2.57 1.46 31.05 17.01
37 Skylake Sta 2.57 1.15 12.26 5.44
38 United Nati 2.56 2.1 20.27 17.83
39 Jersey Shor 2.55 1.97 22.46 18.45
40 Vermillion 2.55 1.79 22.69 16.92
41 Prime Bank, 2.55 0.34 35.25 5.91
42 Metropolita 2.54 0.75 31.03 9.85
43 State Bank 2.53 1.8 18.04 13.69
44 Far West Ba 2.51 2.41 20.57 21.04
45 Royal Bank 2.5 2.83 14.63 16.75
46 Iowa State 2.49 1.46 23.35 14.61
47 First State 2.49 1.32 24.56 13.53
48 Park Nation 2.48 2.18 33.63 27.45
49 First Natio 2.48 1.84 20.59 15.4
50 Colorado St 2.47 2.67 21.53 21.41
Mean Values 2.91% 2.21% 27.48% 20.85%
Median Value 2.78 2.12 27.22 19.94
Standard Dev 0.53 1.11 9.03 9.5
Comparative: 1.31% 1.26% 15.72% 15.30%
Comparative: 0.91 0.72 10.72 8.55
Comparative: 1.09 1.13 N/M N/M
Comparative: 0.99 1.14 N/M N/M
part 3 of 3
Nonperf
ROA Assets/TL & Total
Rank Repo RE Assets
1997 Name 1997 1996 1997 1996
1 Guardi 0.01% 0.02% $107,522 $88,419
2 Bright 0 0.02 132,473 107,055
3 First 0.4 0.73 835,910 527,609
4 First 1.7 0.94 439,016 300,046
5 Citize 0.37 1.64 155,793 124,734
6 First 0.45 0.86 111,011 104,658
7 Americ 0.91 1.34 160,559 179,540
8 City B 2.43 2.1 428,834 388,541
9 First 5.36 3.97 262,392 249,642
10 Fort S 1.47 1.14 133,492 121,820
11 First 1.17 1.08 137,969 130,550
12 Inwood 0.75 1.74 311,603 289,759
13 Madiso 0.12 0.87 114,624 107,623
14 First 1.53 1.94 139,406 134,878
15 Citize 0.05 0 205,940 161,951
16 Americ 0.05 0 189,215 148,993
17 AmeriF 0.9 1.59 195,907 261,763
18 First 2.3 3.56 216,705 157,852
19 Pionee 0 0 153,993 147,488
20 Bank M 1.02 1.75 1,260,023 1,258,035
21 German 0 0.01 122,826 111,227
22 City N 1.35 0.45 1,253,215 433,834
23 First 0.6 0.11 115,067 179,586
24 Citize 0.15 1.06 108,782 109,277
25 Hill C 0.66 0 109,671 99,032
26 People 0.56 0.71 227,995 115,339
27 People 1.96 1.19 115,804 93,072
28 Barnes 0.43 0.67 260,614 223,107
29 Bank o 0.77 0.33 519,072 485,896
30 Bank o 0.88 1.22 100,659 90,933
31 First 0.24 0.34 109,239 87,853
32 First 8.14 10.71 107,068 109,919
33 Centra 1.39 0.3 232,096 210,762
34 Wester 0.63 2.04 207,803 178,020
35 Yellow 0.23 0.12 179,964 162,923
36 City N 1.16 1.67 1,214,977 1,059,771
37 Skylak 1.12 3.04 102,070 96,307
38 United 1.11 0.75 891,061 805,616
39 Jersey 0.52 0.76 272,413 257,666
40 Vermil 0.32 0.06 157,471 143,413
41 Prime 0.63 1.16 921,863 235,924
42 Metrop 0.73 1.15 241,896 315,920
43 State 1.2 0.53 110,207 108,905
44 Far We 0.43 0.36 159,967 123,372
45 Royal 1.48 2.46 399,415 338,065
46 Iowa S 0.15 0.05 136,405 131,397
47 First 0.39 0.45 123,650 115,281
48 Park N 0.13 0.2 1,028,603 913,992
49 First 0.33 0.3 163,740 165,038
50 Colora 1.68 0.52 177,275 162,609
Mean Va 1.03% 1.20% $311,266 $253,100
Median 0.7 0.81 170,508 159,902
Standar 1.35 1.66 324,404 252,602
Compara 1.11% 1.22% 553,113 489,572
Compara 1.41 1.68 499,038 460,595
Compara 0.79 0.83 1,134,129 1,040,736
Compara 2.69 2.75 31,267 28,668
part 4 of 4
Tot O/H Salaries &
ROA Exp./AvgEfficienBenefits
Rank Net IncoAssets % Ratio /Avg Empl.
1997 Name 1997 1996 1997 1997 1997
1 Guard$4,955 $2,655 4.88% 65.45 $38,238
2 Brigh 5,479 3,477 3.62 63.37 37,389
3 First 25,111 40,600 2.55 53.61 35,421
4 First 13,298 6,551 2.39 51.01 41,424
5 Citiz 4,676 3,068 2.49 58.05 36,051
6 First 3,640 2,321 3.55 59.39 44,919
7 Ameri 5,756 1,851 1.25 37.52 24,967
8 City 12,343 9,863 3.43 61.87 32,863
9 First 8,332 4,603 2.48 54.12 36,246
10 Fort 3,782 3,327 2.57 53.94 30,886
11 First 4,146 2,646 2.52 49.14 37,152
12 Inwoo 8,936 5,262 2.47 53.05 37,147
13 Madis 3,333 3,251 2.1 44.21 58,750
14 First 4,110 2,892 3.22 56.89 40,951
15 Citiz 5,508 2,151 3.08 50.95 38,328
16 Ameri 4,920 2,353 2.22 33.64 34,224
17 Ameri 6,460 489 3.13 55.08 33,240
18 First 5,424 4,752 3.13 56.69 32,057
19 Pione 4,238 4,059 2.42 65.05 46,730
20 Bank 35,290 24,268 2.49 52.62 22,577
21 Germa 3,326 2,140 2.66 53.48 37,249
22 City 17,752 6,067 2.95 49.91 30,909
23 First 4,026 3,010 1.58 37.85 37,742
24 Citiz 3,040 2,119 5.58 64.11 23,878
25 Hill 2,902 2,019 1.27 41.1 21,075
26 Peopl 3,811 1,767 2.94 54.68 31,321
27 Peopl 2,788 1,458 2.95 59.47 37,157
28 Barne 6,554 5,170 3.73 54.39 39,502
29 Bank 13,729 12,646 2.84 47.27 40,000
30 Bank 2,588 2,124 3.07 53.61 36,909
31 First 2,555 1,376 5.22 69.52 35,452
32 First 2,918 2,657 3.9 62.36 44,731
33 Centr 5,763 4,899 3.51 53.62 35,718
34 Weste 4,959 4,238 0.72 11.62 N/A
35 Yello 4,395 2,657 10.09 68.91 25,856
36 City 29,803 14,732 1.75 35.46 42,254
37 Skyla 2,482 1,109 2.69 62.34 41,313
38 Unite 21,202 15,824 3.35 63.56 28,345
39 Jerse 6,638 4,899 4.32 76.07 31,602
40 Vermi 3,717 2,392 4.42 70.06 31,458
41 Prime 9,397 752 2.13 59.4 31,814
42 Metro 7,508 2,467 2.78 53.1 28,550
43 State 2,751 1,906 3.6 67.06 30,932
44 Far W 3,383 2,852 2.1 44.77 28,982
45 Royal 8,556 9,418 2.72 69.01 32,871
46 Iowa 3,353 1,911 7.49 73.33 78,012
47 First 2,921 1,470 3.2 70.29 30,527
48 Park 23,906 19,464 3.75 70.34 51,971
49 First 4,119 2,971 3.68 40.4 38,884
50 Color 4,138 4,174 3.06 53.09 58,247
Mean V$7,694 $5,423 3.20% 55.32% $36,792
Median 4,798 2,932 2.95 54.54 36,051
Standa 7,419 7,013 1.51 11.96 9,815
Compar$6,233 $5,185 3.77% 60.36 $46,530
Compar 4,316 3,004 2.2 62.3 41,140
Compar 11,854 11,464 2.15 N/M 39,824
Compar 310 327 3.48 N/M 27,105
