+++
Assets of less than $100 million, ranked by return on average assets for
part 1 of 2
Return
ROA On Avg.
Rank Assets
1997 1997
ALABAMA
23 DeKalb Bank, Crossville 3.11%
COLORADO
3 First State Bank, Idaho Springs 4.33
14 Peak National Bank, Nederland 3.3
25 Colonial Bank, Aurora 3.05
28 Mountain National Bank, Woodland Par 2.96
31 State Bank of Wiley 2.91
32 Colorado Springs National Bank 2.91
37 Alamosa National Bank 2.85
38 Commercial Bank of Leadville 2.85
48 Lakewood State Bank, Lakewood 2.74
FLORIDA
24 Liberty National Bank, Longwood 3.09
44 Citizens Bank of Frostproof 2.78
GEORGIA
26 Citizens Bank, Nashville 3
KANSAS
22 State Bank of Downs 3.12
34 Bank of Oberlin 2.9
KENTUCKY
8 Community First Bank NA, Maysville 3.7
LOUISIANA
1 Tri-State Bank & Trust, Haughton 6.41
MINNESOTA
7 Capital Bank, St. Paul 3.91
19 State Bank of Wheaton 3.22
43 Prior Lake State Bank, Prior Lake 2.79
46 Union Bank & Trust Co., Minneapolis 2.75
MISSOURI
6 First Sun Bank of America, Ellington 3.94
40 Citizens Bank of Missouri, Carl Junc 2.82
MONTANA
16 Citizens State Bank of Choteau 3.26
47 Bank of Baker 2.75
NORTH CAROLINA
4 Avery County Bank, Newland 4.15
NEBRASKA
15 Home State Bank, Louisville 3.29
49 Martell State Bank, Martell 2.73
NEW MEXICO
30 Peoples Bank, Taos 2.92
OHIO
2 American National Bank, Parma 5.1
OKLAHOMA
11 Lakeside Bank of Salina 3.42
20 Anadarko Bank & Trust Co., Anadarko 3.21
21 Frontier State Bank, Oklahoma City 3.15
29 Bank of Commerce, Chouteau 2.95
39 Bank of Locust Grove 2.83
SOUTH DAKOTA
27 Wilmot State Bank, Wilmot 3
42 Richland State Bank, Bruce 2.79
TEXAS
5 First Coleman National Bank 4.15
9 First National Bank of Olney 3.68
10 Brush Country Bank, Freer 3.46
12 Landmark Bank Mid-Cities, Euless 3.39
17 First State Bank, Dime Box 3.22
18 First State Bank of North Texas, Ced 3.22
33 Farmers National Bank of Seymour 2.91
35 First National Bank of Burleson 2.86
36 Oaks Bank & Trust Co., Dallas 2.86
41 First National Bank of Canton 2.81
45 State Bank Texas, Irving 2.76
50 First National Bank, Hughes Springs 2.73
WYOMING
13 American National Bank of Rock Sprin 3.36
Source: Sheshunoff Information Services, Austin, Texas
part 2 of 2
Return
ROA On Avg. Total Net Income
Rank Equity Assets (Loss)
1997 1997 1997 1997
ALABAMA
23 DeKalb Bank, Crossvi 38.30%$24,297 $719
COLORADO
3 First State Bank, Id 49.54 19,292 781
14 Peak National Bank, 46.82 91,901 2,929
25 Colonial Bank, Auror 39.47 56,713 1,568
28 Mountain National Ba 33.3 85,336 2,363
31 State Bank of Wiley 12.88 46,577 1,315
32 Colorado Springs Nat 21.4 43,445 1,259
37 Alamosa National Ban 30.36 57,870 1,596
38 Commercial Bank of L 40.87 35,002 923
48 Lakewood State Bank, 25.76 40,807 1,061
FLORIDA
24 Liberty National Ban 25.24 46,188 1,438
44 Citizens Bank of Fro 12.27 51,598 1,465
GEORGIA
26 Citizens Bank, Nashv 41.13 81,068 2,294
KANSAS
22 State Bank of Downs 17.84 39,343 1,184
34 Bank of Oberlin 33.44 96,895 2,690
KENTUCKY
8 Community First Bank 40.17 74,272 1,708
LOUISIANA
1 Tri-State Bank & Tru 17.79 53,323 3,568
MINNESOTA
7 Capital Bank, St. Pa 37.25 42,235 1,565
19 State Bank of Wheato 16.02 60,676 1,918
43 Prior Lake State Ban 26.73 85,510 2,263
46 Union Bank & Trust C 27.06 52,537 1,305
MISSOURI
6 First Sun Bank of Am 36.45 83,242 1,152
40 Citizens Bank of Mis 26.6 19,937 954
MONTANA
16 Citizens State Bank 28.16 29,852 944
47 Bank of Baker 25.52 33,175 885
NORTH CAROLINA
4 Avery County Bank, N 15.5 54,038 2,120
NEBRASKA
15 Home State Bank, Lou 33.38 40,426 1,256
49 Martell State Bank, 20.04 38,102 991
NEW MEXICO
30 Peoples Bank, Taos 38.66 51,596 1,510
OHIO
2 American National Ba 28.66 31,858 1,519
OKLAHOMA
11 Lakeside Bank of Sal 29.3 21,485 727
20 Anadarko Bank & Trus 22.58 38,747 1,239
21 Frontier State Bank, 25.5 28,628 891
29 Bank of Commerce, Ch 36.84 24,702 702
39 Bank of Locust Grove 23.52 23,157 645
SOUTH DAKOTA
27 Wilmot State Bank, W 25.89 20,039 563
42 Richland State Bank, 15.93 19,998 519
TEXAS
5 First Coleman Nation 39.31 50,880 2,158
9 First National Bank 36.84 34,258 1,249
10 Brush Country Bank, 27.57 28,234 922
12 Landmark Bank Mid-Ci 50.12 94,114 3,136
17 First State Bank, Di 17.47 24,454 763
18 First State Bank of 30.8 68,140 2,144
33 Farmers National Ban 27.59 31,620 892
35 First National Bank 25.77 71,899 1,964
36 Oaks Bank & Trust Co 30.78 70,635 1,808
41 First National Bank 25.42 45,664 1,267
45 State Bank Texas, Ir 21.21 43,918 1,133
50 First National Bank, 27.89 97,381 2,677
WYOMING
13 American National Ba 25.37 41,872 1,419
Source: Sheshunoff Information Services, Austin, Texas
