150 Bank Holding Companies with Highest Concentration in Home Equity Loans

February 13, 2002, 10:08 a.m. EST 1 Min Read

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150 Bank Holding Companies with Highest Concentration in Home Equity Loans
On Sept. 30, 2001. Dollars in thousands Published February 13, 2002

		Concentration*		Home equity loans
		Sept. '01	Year earlier	Sept. '01	Year earlier
1	Five Flags Banks Inc. Pensacola, Fla.	59.26%	59.44%	$19,664	5.64%
2	Heritage Community Bancorp Riverdale, Ill.	40.35	44.83	60,952	-13.23
3	Guaranty Financial Milwaukee	29.27	21.31	418,195	84.32
4	Carrollton Bancorp Baltimore	23.13	20.6	52,541	-8.71
5	Fremont Bancorp. Fremont, Calif.	22.64	20.9	191,930	41.22
6	Patriot National Bancorp Stamford, Conn.	21.96	21.57	29,506	4.71
7	Mid Town Bancorp Inc. Chicago	21.8	21.51	47,911	7.09
8	First American Bank Corp. Elk Grove Village, Ill.	20.13	16.25	244,126	31.99
9	Park Meridian Financial Corp Charlotte, N.C.	19.61	16.13	48,122	52.28
10	First Lincolnwood Corp. Lincolnwood, Ill.	19.16	18.89	18,290	7.06
11	Bridge Bancorp Inc. Bridgehampton, N.Y.	15.37	13.26	33,391	32.53
12	Ipswich Bancshares Inc. Ipswich, Mass.	15.28	13.7	32,525	14.95
13	BWC Financial Corp. Walnut Creek, Calif.	15.26	14.51	41,987	17.61
14	First and Ocean Bancorp Newburyport, Mass.	14.7	15.51	24,014	0.02
15	Innes Street Financial Corp. Salisbury, N.C.	14.58	NA	28,141	NA
16	Success Bancshares Lincolnshire, Ill.	14.54	17.56	72,673	-12.5
17	Edville Bankcorp Inc. Villa Park, Ill.	14.33	13.27	20,003	20.12
18	Community Bancorp Inc. Hudson, Mass.	14.3	14.44	26,198	3.61
19	First Northwest Bancorp Inc. Arlington Heights, Ill.	13.76	NA	15,052	NA
20	Irwin Financial Corp. Columbus, Ind.	13.73	7.51	323,941	168.26
21	Community Financial Shares Glen Ellyn, Ill.	13.68	NA	17,320	NA
22	First Citizens Bancshares Raleigh, N.C.	13.65	11.81	970,295	15.76
23	F&M Financial Corp. Granite Quarry, N.C.	13.58	12.55	35,346	20.62
24	Bridge View Bancorp Englewood Cliffs, N.J.	13.24	11.37	18,232	22.46
25	Northview Financial Corp. Northfield, Ill.	12.98	12.32	34,978	20.86
26	First Evanston Bancorp Inc. Evanston, Ill.	12.85	10.73	28,790	38.55
27	Countrywide Credit Industries Inc. Calabasas, Calif.	12.71	NA	1,423,002	NA
	Wintrust Financial Corp. Lake Forest, Ill.	12.71	11.57	235,502	36.91
29	Hawaii National Bancshares Honolulu	12.66	15.02	28,355	-14.17
30	Port Financial Corp. Brighton, Mass.	12.39	11.21	90,968	20.34
31	Fidelity Bancshares Inc. Fuquay-Varina, N.C.	12.35	13.47	80,018	-1.29
32	Devon Bancorp Inc. Chicago	12.18	15.13	18,682	-11.44
	First Oak Brook Bancshares Oak Brook, Ill.	12.18	12.09	110,632	12.82
34	Heritagebanc Inc. Chicago Heights, Ill.	11.8	13.24	12,037	-1.66
35	F.N.B.C. of La Grange Inc. La Grange, Ill.	11.74	11.34	22,417	11.27
36	Eagle Bancorp Inc. Bethesda, Md.	11.65	NA	19,314	NA
37	Main Street Bancorp Inc. Reading, Pa.	11.49	8.51	98,024	43.19
38	Great Lakes Financial Resources Inc. Matteson, Ill.	11.44	9.93	39,572	19.53
39	Executive Banking Corp. Miami	11.38	12.73	17,890	2.31
40	Nexity Financial Corp. Birmingham, Ala.	11.24	NA	29,252	NA
41	First Indiana Corp. Indianapolis	11.17	NA	204,305	NA
42	First Citizens Bancorp. Columbia, S.C.	11.1	10.82	246,689	13.67
43	Alpine Banks of Colorado Glenwood Springs	10.99	10.91	69,836	9.49
44	Valley Financial Corp. Roanoke, Va.	10.95	10.29	14,904	33.13
45	Huntington Bancshares Inc. Columbus, Ohio	10.88	9.83	2,376,217	18.4
46	Century Bancshares Inc. Washington	10.79	7.56	31,500	128.21
47	AmSouth Bancorp. Birmingham, Ala.	10.73	7.52	2,692,996	40.05
48	First Charter Corp. Charlotte, N.C.	10.71	8.03	212,763	25.43
49	North Bay Bancorp Napa, Calif.	10.64	12.94	19,764	2.02
50	Guaranty Financial Corp. Charlottesville, Va.	10.6	8.53	18,668	6.29
51	Fifth Third Bancorp Cincinnati	10.51	6.88	4,504,570	148.61
52	First Eagle Bancshares Inc. Hanover Park, Ill.	10.48	6.09	14,151	150.06
53	Itasca Bancorp Inc. Itasca, Ill.	10.23	10.89	22,296	-2.48
54	Cardinal Financial Corp. Fairfax, Va.	10.21	NA	20,089	NA
55	National Bank of Indianapolis Corp. Indianapolis	10.18	10.3	41,826	18.23
56	Cummins-American Corp. Glenview, Ill.	10.17	9.69	45,229	14.42
57	First of Long Island Corp. Glen Head, N.Y.	10.16	9.41	21,619	20.41
58	BankNorth Group Inc. Portland, Maine	10.13	9.82	1,114,571	4.98
	RBC Centura Banks Inc. Rocky Mount, N.C.	10.13	9.57	801,569	8.05
60	Commonwealth Bancshares Inc. Shelbyville, Ky.	10	9.43	36,499	18.21
61	TriCo Bancshares Chico, Calif.	9.94	6.67	66,403	53
	Palos Bancshares Inc. Palos Heights, Ill.	9.94	10.33	17,046	12.73
63	LSB Bancshares Inc. Lexington, N.C.	9.88	9.24	55,110	8.73
64	First South Bancorp Inc. Washington, N.C.	9.82	9.68	37,282	3.7
65	Tri-County Financial Corp. Waldorf, Md.	9.78	10.76	18,726	4.28
66	Columbiana Bancshares Inc. Columbiana, Ala.	9.69	11.34	12,501	1.93
67	Tri-County Bancorp Inc. Brown City, Mich.	9.65	NA	10,327	NA
68	Columbia Bancorp Columbia, Md.	9.63	8.94	56,301	21.78
69	New Mexico Banquest Investor Corp. Santa Fe	9.42	10.75	19,704	-3.11
70	First Washington FinancialCorp. Windsor, N.J.	9.4	10.77	16,896	4.97
71	Northwest Suburban Bancorp Mt. Prospect, Ill.	9.34	8.67	17,142	135.08
72	Republic Bancorp Inc. Louisville, Ky.	9.29	10.02	110,659	-3.03
	First Tennessee National Corp. Memphis, Tenn.	9.29	7.58	1,133,261	21.4
74	American Community Bancshares Monroe, N.C.	9.27	NA	12,744	NA
75	UNB Corp. Canton, Ohio	9.17	7.97	83,413	22.11
		Concentration*		Home equity loans
		Sept. '01	Year earlier	Sept. '01	Year earlier
76	Metro Bank Financial Services Miami	9.11%	7.79%	$11,254	18.83%
77	KS Bancorp Kenly, N.C.	9.1	NA	12,471	NA
78	Capital Bank Corp. Raleigh, N.C.	9	9.11	24,856	17.33
79	American Chartered Bancorp Schaumburg, Ill.	8.93	8.31	48,606	36.95
80	Elmwood Financial Corp. Racine, Wis.	8.91	7.45	14,263	27.09
81	Enterprise Bancshares Inc. Memphis	8.87	7.02	17,079	29.83
82	Shore Bancshares Inc. Easton, Md.	8.86	5.19	34,938	398.05
83	Alliance Bancorp New England Vernon, Conn.	8.83	9.1	22,029	9.13
84	Factory Point Bancorp Inc. Manchester Center, Vt.	8.8	7.9	14,521	24.84
85	Community Financial Group Nashville	8.75	4.58	28,617	144.72
86	First Litchfield Financial Corp. Litchfield, Conn.	8.68	7.44	15,978	11.07
87	Farmers and Merchants Financial Services St. Paul	8.61	7.52	21,158	36.05
88	Citrus and Chemical Bancorp. Bartow, Fla.	8.52	6.51	21,700	47.08
89	Coddle Creek Financial Corp. Mooresville, N.C.	8.49	7.49	10,532	6.67
90	Taylor Capital Group Inc. Wheeling, Ill.	8.34	7.67	140,932	14.51
	TCF Financial Corp. Wayzata, Minn.	8.34	7.91	739,424	8.66
92	Arbor Bancorp Inc. Ann Arbor, Mich.	8.31	7.37	12,819	34.81
93	Katahdin Bankshares Corp. Patten, Maine	8.29	4.14	12,334	140.99
94	Peoples Bancorp of North Carolina Newton	8.24	8.35	38,871	19.62
	Washington Trust Bancorp Westerly, R.I.	8.24	7.26	51,508	21.09
96	HPK Financial Corp. Chicago	8.23	6.76	8,777	29.15
	Heritage Bancshares Inc. Lucama, N.C.	8.23	NA	10,367	NA
98	First Bancorp of Durango Durango, Colo.	8.22	5.98	12,637	52.55
99	Central Bancshares Inc. Golden Valley, Minn.	8.21	6.33	10,912	43.45
100	Community Bank Shares of Indiana New Albany	8.19	4.48	23,186	83.04
	FNB Corp. Asheboro, N.C.	8.19	7.03	32,388	15.22
102	Peoples Utah Bancorp American Fork	8.18	9.45	20,595	9.17
103	FNB Financial Services Corp. Reidsville, N.C.	8.14	7.76	42,566	13.98
104	Androscoggin Bancorp MHC Lewiston, Maine	8.13	6.71	24,299	18.36
105	Oxford Bank Corp. Oxford, Mich.	8.11	7.49	19,624	16.01
106	National Bancshares Corp. Orrville, Ohio	8.09	7.1	9,339	17.86
107	KeyCorp Cleveland	8.07	5.77	5,203,914	35.9
108	Newmil Bancorp Inc. New Milford, Conn.	8.06	8.7	28,239	38.7
109	West Suburban Bancorp Inc. Lombard, Ill.	8.04	8.9	86,123	-1.2
110	TrustCo Bank Corp. Glenville, N.Y.	7.97	9.16	123,575	-6.1
111	SVB Financial Services Inc. Somerville, N.J.	7.96	6.31	15,711	47.05
	Far West Bancorp. Provo, Utah	7.96	9.46	14,710	6.92
113	FSB Bancorp MHC Farmington, Maine	7.93	7.68	16,979	5.18
114	United Bankshares Inc. Charleston, W.Va.	7.88	7.42	273,402	9.43
115	Catawba Valley Bancshares Hickory, N.C.	7.87	NA	10,227	NA
116	Sutton Bancshares Inc. Attica, Ohio	7.86	5.65	12,286	50.32
	First Security Group Inc. Chattanooga, Tenn.	7.86	NA	21,053	NA
118	Lincolnwood Bancorp Inc. Lincolnwood, Ill.	7.84	8.29	12,802	-1.04
	MNB Bancorp Milford, Mass.	7.84	7.77	10,573	12.48
120	First Bancshares Inc. San Luis Obispo, Calif.	7.8	7.17	11,327	22.52
	Richfield State Agency Inc. Richfield, Minn.	7.8	3.36	36,303	122.84
	GLB Bancorp Inc. Mentor, Ohio	7.8	NA	8,570	NA
123	FNB Banking Co. Griffin, Ga.	7.77	7.09	13,230	12.6
124	Lake Elmo Bancshares Inc. Lake Elmo, Minn.	7.75	4.79	9,924	55.65
125	Commerce Bancshares Corp. Worcester, Mass.	7.71	12.97	28,477	-15.44
126	LNB Bancorp Inc. Lorain, Ohio	7.7	7.15	36,232	12.57
127	Southern Bancshares Inc. Mt. Olive, N.C.	7.69	7.1	41,980	37.48
128	First American Bancorp Athens, Ga.	7.67	6.82	6,419	16.37
129	Greenwood National Bancorp Greenwood, S.C.	7.61	7.38	18,780	-7.03
130	Camden National Corp. Camden, Maine	7.6	7.19	53,271	5.88
	Signal Financial Corp. Mendota Heights, Minn.	7.6	9.67	60,039	-9.47
132	CamBank Inc. Lake Zurich, Ill.	7.59	NA	9,232	NA
	First National Financial Services Inc. Elk River, Minn.	7.59	5.17	22,582	61.12
	American National Bankshares Danville, Va.	7.59	7.29	28,288	17.74
135	Peoples Bancorp Inc. Easley, S.C.	7.57	8.23	17,441	13.83
136	Capac Bancorp Inc. Capac, Mich.	7.54	NA	8,797	NA
137	National Commerce Financial Bancorp Memphis	7.52	6.68	873,264	19.98
138	Aliant Financial Corp. Alexander City, Ala.	7.47	7.46	39,408	6.72
139	Paducah Bank Shares Inc. Paducah, Ky.	7.46	7.14	17,515	6.29
140	Jeffersonville Bancorp Jeffersonville, N.Y.	7.44	7.88	11,871	5.15
	Community Bankshares Inc. Orangeburg, S.C.	7.44	7.4	16,309	18.26
142	Provident Bancorp Amesbury, Mass.	7.42	6.87	8,658	24.38
143	First National Corp. Orangeburg, S.C.	7.41	6.02	55,393	29.3
144	Macon Bancorp Franklin, N.C.	7.36	7.23	27,245	16.52
145	Fentura Bancorp Inc. Fenton, Mich.	7.27	6.34	14,847	15.27
	Charter One Financial Inc. Cleveland	7.27	5.85	1,865,561	32.08
147	Klein Financial Inc. Chaska, Minn.	7.26	6.43	53,032	21.83
148	TCB Corp. Greenwood, S.C.	7.23	NA	7,857	NA
149	Duke Financial Group Inc. Minneapolis	7.22	6.05	20,478	21.88
150	NB&T Financial Group Inc. Wilmington, Ohio	7.21	5.87	26,195	19.29

*Home equity loans as percentage of gross domestic loans and leases (includes unearned income on receivables)